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Protect your business from client property damage, employee injuries, and equipment theft. Cleaning business insurance covers the unique risks of working in other people’s homes and offices with expensive cleaning equipment and chemicals.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Cleaning seems low-risk, but you’re working around expensive furniture, fragile items, and client valuables every single day. One knocked-over vase, one spilled chemical on a carpet, or one employee slip-and-fall can cost you thousands. Without proper coverage, a single accident can wipe out your entire business.
Cleaning seems low-risk, but you’re working around expensive furniture, fragile items, and client valuables every single day. One knocked-over vase, one spilled chemical on a carpet, or one employee slip-and-fall can cost you thousands. Without proper coverage, a single accident can wipe out your entire business.
An employee knocks over a $3,000 antique vase while dusting a shelf. Your general liability insurance for cleaning business covers the full replacement cost.
A worker uses the wrong cleaning solution on a client's marble floors, causing permanent etching. Cleaning liability insurance covers the floor restoration cost.
A cleaner slips on a wet floor they just mopped and breaks their wrist. House cleaning insurance covers all medical bills and lost wages through workers' comp.
Thieves break into your work van and steal $4,000 worth of vacuums, carpet wands, and cleaning supplies. Your cleaning business insurance policy covers the full replacement cost.
A complete commercial cleaning company insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed in a client’s home.
Whether you’re doing residential house cleaning, commercial janitorial, or specialty carpet and window cleaning, we have a cleaning business insurance coverage program designed for your specific scope of work and risk profile, because a residential maid service and a window cleaning company need completely different coverage.
Weekly and bi-weekly home cleaning, deep cleaning, move-in/move-out cleaning, post-construction cleanup
Office building cleaning, retail store maintenance, warehouse sweeping, school and church cleaning
Steam cleaning, dry cleaning, stain removal, rug washing, furniture and mattress cleaning
Residential window washing, high-rise window cleaning, storefront glass, solar panel cleaning
House washing, driveway and sidewalk cleaning, deck and fence restoration, graffiti removal
New home final cleanup, renovation dust removal, construction site debris, builder turnover clean
Every state has different requirements for cleaning business licensing and insurance minimums. We help you stay compliant with state laws and help you win contracts that require cleaning business insurance requirements like additional insured endorsements and certificates of insurance.
Cleaning business insurance cost depends on your annual revenue, number of employees, type of cleaning work, and claims history. Residential house cleaners pay less than commercial janitorial or window cleaning companies.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard CGL limit required by most cleaning contracts
COI issuance, Certificate of Insurance when you need it
Carrier partners, we shop for the best rate for your trade
Cleaning businesses insured across the Southeast region
Our streamlined process gets you covered fast, so you never miss a bid deadline or fail a job site insurance inspection.
Business license type, annual revenue, payroll, number of employees, and typical project scope, residential, commercial, or specialty cleaning
We create a custom package across CGL, Workers' Comp, Commercial Auto, Inland Marine, and Bond based on your specific cleaning operations
Receive clear quotes from multiple A-rated cleaning business insurance carriers, compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day, ready for property managers, HOAs, and commercial contracts
Yes, most homeowners and property managers will not hire an uninsured cleaner. Additionally, your personal health insurance may exclude workplace injuries. Maid service insurance is essential even for sole proprietors working alone.
Yes, that’s exactly what general liability is for. Using the wrong cleaning solution that damages carpet, upholstery, or flooring is covered under general liability insurance for cleaning business. Always report chemical damage claims immediately.
General liability covers accidental damage, knocking over a vase or spilling chemicals. Bond coverage protects the client if your employee steals something. Cleaning business insurance policy should include both to fully protect your reputation.
Yes, we offer cleaning business insurance quote tools online in under 10 minutes. Just tell us your revenue, payroll, cleaning type, and claims history. Same-day binding and instant COI available. A quick call often saves you money.
We issue same-day Certificates of Insurance, often within an hour of binding your policy. Property managers and HOAs require COIs before your crew steps on the property. Commercial cleaning company insurance is worthless if you can’t prove it before the job starts.
Specialized coverage for office building cleaners, school custodians, and medical facility cleaning staff
Targeted coverage for steam cleaning, dry cleaning, stain removal, and rug washing professionals
Specialized coverage for residential and high-rise window washers — including ladder and scaffold liability
Coverage for house washing, driveway cleaning, deck restoration, and graffiti removal professionals
Liability and tools coverage for new home cleanup and renovation dust removal specialists
Flexible coverage for residential house cleaning, deep cleaning, and move-in/move-out professionals
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
