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The best insurance policy for a cleaning company is a custom package that includes:

• General Liability Insurance for third-party injuries and property damage
  
• Workers’ Compensation for employee injuries
  
• Commercial Auto Insurance if you drive for work
  
• Tools & Equipment Coverage for theft or damage
  
• Janitorial Bond for theft protection claims
  
  

💡 A bundled approach ensures you’re protected from the most common risks in cleaning — from slip-and-fall claims to broken property or theft accusations.

In most states, cleaning businesses are legally required to carry:

• Workers’ Compensation if they have employees (even part-time or seasonal)
  
• General Liability Insurance to secure contracts with property managers or clients
  
  

💡 While not legally required everywhere, Commercial Auto and Janitorial Bonds are often necessary for commercial or government cleaning contracts.

General Liability Insurance protects your cleaning business from claims involving:

• Injuries (e.g., a client slipping on a freshly mopped floor)
  
• Property damage (e.g., breaking a client’s glass table during dusting)
  
• Legal defense and settlement costs
  
  

💡 This coverage is contract-critical — without it, most commercial clients will not hire you.

Janitorial insurance costs vary based on:

• Business size & number of employees
  
• Coverage limits (e.g., $1M vs. $2M liability)
  
• Services offered (residential vs. commercial vs. specialized cleaning)
  
• Claims history
  
  

💡 For a small cleaning company, General Liability alone may start around $40–$60/month, while a full package with Workers’ Comp can range from $150–$500/month.

A $1M General Liability policy for cleaning companies often ranges from $400–$800/year for small businesses.

Costs increase with higher employee counts, larger service areas, and specialized cleaning (like medical facilities).

💡 Each business has unique needs and coverage requests. Please reach out to get a custom quote for your operation.

A $2M policy usually refers to $1M per occurrence / $2M aggregate General Liability limits.

The price is typically 20–35% higher than a $1M policy, but it’s often required for corporate, government, and large facility cleaning contracts.

💡 Speak with an expert Today for exact premium expectactions.

Yes — being bonded and insured protects both you and your clients.

• Bonding covers client losses if theft by an employee is proven.
  
• Insurance covers injuries, damages, and legal claims.
  

💡  Bonding builds client trust, while insurance keeps your business financially safe.

A Janitorial Bond (or fidelity bond) reimburses clients if an employee is accused and proven guilty of theft while on the job.

While it doesn’t replace insurance, many commercial and residential contracts require it as part of risk management and trust-building.

No. Most personal auto policies exclude coverage for business use.

If you get into an accident while traveling to a job with supplies or employees, your personal policy may deny the claim.

🛡️ Solution: 

Get Commercial Auto Insurance or Hired & Non-Owned Auto Coverage to protect your business.

This coverage protects items like vacuums, floor scrubbers, carpet extractors, and pressure washers from:

• Theft
  
• Vandalism
  
• Damage in transit
  
  

💡 If your primary equipment is stolen, this coverage can replace it quickly so you don’t lose jobs.

In most states, yes — even for part-time or seasonal workers.

Workers’ Comp covers medical expenses, rehabilitation, and lost wages if an employee is injured while working.

💡 Operating without it can lead to fines, lawsuits, and criminal penalties.

A Certificate of Insurance (COI) is proof of your coverage.

Most commercial contracts require a COI before work begins.

💡 With WorkersInsurance.com, most COIs are issued same-day — ensuring you never miss a contract because of paperwork delays.