Business Insurance for Cleaning Professionals
Cleaning businesses enter clients' spaces and handle their property every day. The right insurance and bonding protect you — and your clients — when something goes wrong.
By clicking, you agree to Insurance Pro Agencies' Terms of Use and Privacy Policy, and authorize Insurance Pro Agencies, Inc and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.
Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.
Coverage Types for Cleaning Professionals
These are the key insurance policies most relevant to your business type — ranked by importance.
General Liability
RequiredRequired by most commercial clients and many residential clients. Covers property damage during cleaning (broken items, damaged surfaces), spills, and client injuries during a service visit.
Janitorial Surety Bond
RequiredMost commercial clients and many residential customers require bonding as a condition of service. A janitorial bond protects clients against employee theft — it's a trust signal, not just a legal requirement.
Workers' Compensation
RequiredRequired in most states for any cleaning business with employees. Slip-and-fall injuries, chemical exposure, and repetitive motion injuries are common workers' comp claims in cleaning.
Commercial Auto
Highly RecommendedIf your cleaners drive to job sites — using company vehicles or their own — commercial auto coverage is required. Personal auto policies exclude commercial cleaning use.
Inland Marine / Tools & Equipment
RecommendedCovers professional cleaning equipment — steam machines, floor polishers, pressure washers — in transit and at job sites.
Get Your Instant Quote
100% online. No broker call required. Get covered and download your Certificate of Insurance in under 15 minutes.
By clicking, you agree to Insurance Pro Agencies' Terms of Use and Privacy Policy, and authorize Insurance Pro Agencies, Inc and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.
Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.
Powered by ERGO NEXT · Instant certificate of insurance · Cancel anytime
What You Need to Know
- →"Bonded and insured" is the standard client requirement for any cleaning business — both elements must be present for most commercial and residential contracts.
- →Client property damage is the most common claim for cleaning businesses — accidental breakage, cleaning chemical damage, and scratch/scuff claims.
- →Workers' comp is mandatory in most states for cleaning businesses with employees, and the premium is based on payroll in the cleaning classification.
- →If employees drive to job sites in personal vehicles, non-owned auto coverage extends your liability to those vehicles for business use.
- →ERGO NEXT covers residential and commercial cleaning businesses with instant online quotes and same-day COI.
What Does It Cost?
Solo residential cleaners pay $45–$80/month for GL + bonding. Multi-employee cleaning companies pay $100–$200/month. Commercial janitorial companies with vehicles run $150–$300/month.
Frequently Asked Questions
Frequently Asked Questions
Explore More
Ready to Get Covered?
Join thousands of businesses that get insured online in minutes. No paperwork. No broker required. COI instant download.
By clicking, you agree to Insurance Pro Agencies' Terms of Use and Privacy Policy, and authorize Insurance Pro Agencies, Inc and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.