Protect Your Cleaning Business
With the Right Coverage
Whether you clean offices, homes, or construction sites — one slip-and-fall claim can shut you down. Get quotes from multiple A-rated carriers in one request.
What Your Cleaning Business Needs
General Liability (GL)
Covers property damage, bodily injury, and slip-and-fall claims at client locations. Most commercial contracts require it before you start work.
Workers' Compensation
Required in most states if you have employees. Covers medical bills and lost wages for on-the-job injuries.
Commercial Auto
If your crew drives to client locations, personal auto policies won't cover business use. One at-fault accident during work hours = personal exposure.
Janitorial / Surety Bond
Protects your clients against employee theft. Many commercial cleaning contracts require bonding before you're allowed on-site.
Why Businesses Choose IPA
- ✓ Quotes from A-rated carriers: Hartford, Travelers, Liberty Mutual
- ✓ One application — we shop it for you
- ✓ Response within 1 business day
- ✓ No obligation, no pressure, no spam
- ✓ Licensed in all 50 states
Not sure what coverage you need? Use our free Business Insurance Requirements Checker →
Get Your Free Quote
Takes about 2 minutes. No obligation.
Frequently Asked Questions
How much does janitorial insurance cost?+
Janitorial insurance typically costs $500–$2,500 per year for general liability coverage, depending on your revenue, number of employees, and the types of facilities you clean. A small owner-operator cleaning residential homes may pay under $600/year, while a commercial janitorial company with 10+ employees cleaning office buildings may pay $1,500–$3,000+. Workers' compensation is additional and varies by state and payroll.
What insurance does a cleaning business need?+
Most cleaning businesses need: (1) General Liability — covers property damage and bodily injury at client locations; (2) Workers' Compensation — required in most states if you have employees; (3) Commercial Auto — if your crew drives to job sites; (4) Janitorial Bond — protects clients against employee theft, often required by commercial contracts; (5) Inland Marine / Equipment coverage for cleaning machines and supplies.
Do I need a bond for my cleaning business?+
A janitorial surety bond protects your clients if an employee steals from them — it does NOT protect your business. Many commercial cleaning contracts and property management companies require bonding before allowing your crew on-site. A typical janitorial bond costs $100–$300 per year. It is separate from your insurance policy.
How fast can I get a commercial insurance quote for my cleaning business?+
Through Insurance Pro Agencies, you submit one application and we route it to multiple A-rated carriers including Hartford, Travelers, and Liberty Mutual. You can expect to hear back within 1 business day. For simple janitorial operations, same-day quotes are often possible.
Does my cleaning business need workers' comp if I only have subcontractors?+
It depends on your state and how your subcontractors are classified. In most states, if you hire workers who are not truly independent — meaning you control their schedule, provide equipment, or they work exclusively for you — they may be classified as employees and workers' comp may be required. Some states require coverage for subcontractors as well. Consult a licensed insurance professional for your specific situation. You can also fill out the form above and we'll connect you with a licensed agent who can review your specific setup.