Cleaning Business Insurance and Bonding in Texas
Whether you’re scrubbing down high-rise offices in Austin or keeping homes spotless in San Antonio, our cleaning business insurance in Texas is designed to protect you from the unexpected – from liability to equipment coverage, we’ve got your business covered!
Top Texas Cleaning Businesses We Cover
Texas Cleaning Insurance Coverages (+ their costs)
Everything is bigger in Texas — so why wouldn’t the messes be too? Cleaning businesses in Texas face unique challenges. So, here’s a breakdown of the most popular cleaning insurance policies we offer in Texas and their estimated costs:
| Single-person businesses | ||
|---|---|---|
|
General Liability Insurance |
$571.00 / year
|
|
|
Cyber Liability Insurance
|
$99 / year
|
|
|
Tools and Equipment Insurance
|
$40.00 / year
|
|
|
Janitorial Bonds
|
$131 / year
|
|
|
Additional Insureds
|
$10 / year / AI
|
|
|
Workers’ Compensation
|
$1,141.86 / year
|
|
General Liability Insurance
General liability insurance may be required for cleaning businesses in Texas depending on the counties they operate in and the specific services they offer. It’s designed to shield cleaning businesses from claims related to bodily injury, property damage, and personal or advertising injury that might occur during your cleaning activities.
Tools and Equipment Insurance
In Texas, where unpredictable weather can bring everything from sudden thunderstorms to intense heat waves, tools and equipment insurance is a smart choice for cleaning businesses. This coverage helps cover the cost of repairing or replacing your essential cleaning gear if it’s damaged or stolen.
Janitorial Bonds
A janitorial bond is basically a safety net for your clients. If one of your employees is accused of stealing something, the bond ensures that you’ll reimburse the client for their loss.
Insurance Canopy offers two bond options to fit your business needs.
With Insurance Canopy, you can choose from two bond options to fit your business needs.
| Bond Option | Annual Cost (starts at) | ||||
|---|---|---|---|---|---|
|
$5,000 Bond |
$131
|
||||
|
$10,000 Bond
|
$175
|
||||
After you purchase a general liability policy, you can easily add a janitorial bond directly from your customer dashboard.
Additional Insureds
Including additional insureds in your policy provides extra protection for clients, landlords, and other qualified third parties should they be named in a suit arising from your work. For example, if a guest trips over the equipment you left out while cleaning and suffers an injury, they might sue both you and your client for damages. By being an additional insured on your policy, your client would be shielded from claims stemming from your cleaning activities.
Workers’ Compensation Coverage (Coming Soon!)
Workers’ compensation insurance isn’t required for most private employers in Texas, but it’s a smart investment for your cleaning business. It covers medical expenses, and lost wages, and provides financial support for employees who are injured or become ill on the job.
For instance, if a worker gets hurt handling cleaning equipment or slips, this insurance helps with their medical bills and compensates for lost time at work. It also supports employees who are injured in work-related car accidents.
Cyber Liability Insurance
For cleaning businesses that manage client data or engage in online marketing, cyber liability insurance offers coverage for:
- Data breach notification costs
- Customer data loss
- Ransomware and cyber extortion
- Legal fees
- Business interruption fees
Texas Business Insurance Requirements
Here are the key types of insurance coverage required and recommended for Texas businesses.
Essentials Coverage Options
- General Liability: Covers property damage, medical expenses, and legal claims.
- Workers’ Compensation: Required for businesses with government contracts. Coverage must be provided for each employee until the project is completed.
Supplementary Coverage Options
- Business Interruption Insurance: Covers lost income during events like natural disasters.
- Cyber Liability: Protects your business from financial losses due to data breaches, cyberattacks, or other digital threats.
- Tools and Equipment Insurance: Covers the repair or replacement of business-owned tools and equipment that are damaged, lost, or stolen.
- Commercial Auto Insurance: Required if your business owns vehicles used for work or if employees use personal vehicles for business purposes, providing protection while they are on the job.
- Bonds: Provide a financial guarantee to compensate your client if an employee is accused of theft, helping protect your business’s reputation and maintain trust
Do I Need Bonding for My Texas Cleaning Company?
While not required by law, having a bond can set your business apart. For cleaning companies in Texas, bonding is generally optional but can be a valuable asset. A janitorial surety bond demonstrates to your clients that their property and belongings will be secure from theft, helping to build trust and credibility with potential customers.
How to Apply for Cleaning Business Insurance in Texas
Applying for cleaning business insurance in Texas is a streamlined process with Insurance Canopy. Here’s how to get started:
- Assess your needs: Identify the types of coverage required for your Texas cleaning business.
- Check local requirements: Understand local regulations specific to your area, such as:
- Dallas: Report physical assets like inventory and equipment on a rendition form for the County appraisal district.
- Houston: Obtain a DBA certificate from the county clerk’s office if operating under a name other than your own and file a rendition detailing business personal property.
- San Antonio: Secure a certificate of occupancy before operating from a commercial space.
- Gather necessary documentation: Prepare your business license, financial records, and details about your cleaning services and equipment.
- Fill out the form: Complete our quick online application — it takes just minutes.
- Receive a quote: Get a customized insurance quote based on your information.
- Finalize and get covered: Confirm your policy and enjoy comprehensive protection for your Texas cleaning business.
With Insurance Canopy, getting insured is efficient and hassle-free! Not sure where to start? Speak with one of our licensed, non-commissioned agents who can provide expert advice tailored to your business needs.
Get Instantly Insured Online with Insurance Canopy!
Looking to clean up with the right coverage for your cleaning business in Texas? Simple, affordable, and reliable—protect your business with Insurance Canopy!
Allison Kirschbaum | Copywriter
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
