Best Cleaning Business Insurance of 2022

Bryan Keith

Whether you offer residential or commercial cleaning, you risk someone slipping on a freshly mopped floor, having your equipment stolen, or one of your workers accidentally breaking a client’s treasured property. Protect your business from liabilities that could cause financial losses. We’ve evaluated the best business insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.

Affordable plans and coverage provided within minutes

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.

What we like

  • Affordable insurance plans
  • Customized coverage to fit your business
  • Get covered within minutes
  • Near instant access to proof of insurance
  • Quick and easy to process claims

What we don't

  • Not available in New York

Covers a wide range of industries

$2,000,000

Coverage Up To

$1,000+

Deductibles

Overview

Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.

What we like

  • A skilled advisor to assist you
  • Free quotes from multiple insurance carriers
  • Covers low risk to even some high risk industries
  • Online account management

What we don't

  • No brick-and-mortar offices
  • Deductible costs

Customized solution to fit your business needs

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.

What we like

  • Established insurance company
  • Dual auto insurance
  • Customizable insurance for over 180 industries
  • Deductibles starting at $0
  • Affordable rates

What we don't

  • Limited US offices
  • Coverage limited to $2 million online

Flexible coverage by the year, month, day, or by the job

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.

What we like

  • Scheduled coverage options
  • Coverage by the job available
  • Buy a policy online within minutes
  • No hidden fees
  • Affordable plans
  • Drone insurance

What we don't

  • Not available in New York

Tailored Amazon seller insurance

$1,000,000+

Coverage Up To

$100+

Deductibles

Overview

Spott will ensure that your policy coverage is tailored to your business while complying with Amazon’s Terms and Conditions. They also track changes to Amazon’s Terms and Conditions to identify potential issues with listings before a suspension.

What we like

  • Tailored eCommerce insurance
  • Liability insurance for Amazon sellers
  • Store Suspension coverage
  • Compares leading insurance carriers
  • Flexible coverage options and payment plans
  • Knowledgeable about Amazon’s rules and policies

What we don't

  • Limited physical offices

What is cleaning business insurance?

If you have a cleaning business, you may want to think about getting insurance. Why? Accidents happen. Your cleaning business will likely bring you to different locations— each presenting new risks that your insurance will help you mitigate. Whether a member of your team gets hurt or a client’s property is damaged, insurance will help you keep your business afloat when the unexpected happens.

Who needs cleaning business insurance?

Whether you do dry cleaning, office cleaning, house cleaning, pool cleaning (or any type of cleaning, really) you could benefit from having insurance. Besides the benefits that we already mentioned, having insurance can help your organization be seen as more credible. If you have credibility it will be easier for you to attract new clients and employees, and retain existing ones. Some states even require you to have insurance, so make sure to check your local regulations before making your decision.

What insurance do cleaning professionals need?

There are several types of policies to consider.

General liability insurance

This type of policy will protect you from accidents like property damage and injury. Let’s say your employee accidentally knocks a picture off the wall when dusting, and it breaks. Your client would likely want to be compensated for the cost of the frame. And what if a client tripped over a vacuum’s cord. You may be expected to cover their medical costs, which can be expensive. Now, what if they decide to sue? General liability insurance has your back there as well. If you lease your space/equipment, general liability insurance gives you protection in the case of damage to the property.

General liability insurance will not cover interruptions to your business due to employee illness or injury, disruption in services due to natural disasters, professional errors, or employment disputes.

Commercial auto insurance

If you have company vehicles that transport employees and supplies to worksites, you may want to look into getting a commercial auto policy. Commercial auto insurance would cover damage to your company vehicles.

Equipment breakdown insurance

This policy will help you to cover the costs of replacing or rehabilitating your gear (which can get costly quickly!).

Workers’ compensation

This allows you to support your employees if they get injured or sick while on the job.

Janitorial bond

Janitorial bond insurance allows you to reimburse your clients in the case of theft or alleged theft, you will ultimately be responsible for reimbursing your provider. You probably won’t want to pass this one up though, as a lot of customers will only consider your company If you have one of these. When you pick your provider, it is always a good idea to read through the policy so you can be sure to have a solid understanding of what is covered and what isn’t.

How much does cleaning business insurance cost?

The cost of cleaning business insurance varies and depends on multiple factors unique to you and your situation.

Pricing varies based on:

  • Location
  • Project (commercial or residential)
  • Equipment
  • Size
  • Level of risk
  • Claims history
  • And more

General liability insurance can come in as low as $30 per month in some cases. Most companies end up paying between $500 to $1,000 dollars a year. But don’t forget the cost of all the other types of insurance too! If you get auto insurance you may expect to spend anywhere from $1,000 – $2,000 a year, for worker’s compensation you could be looking at over $2,000 a year while getting a janitorial bond probably won’t cost you too much. If you do your research and compare plans, you should be set up for success to get the best price available.

How to choose the best cleaning business insurance?

Choosing the right insurance can be tough, before you decide on a plan, here are some guidelines that should steer you in the right direction.

  • Consider your finances: Insurance can be expensive. You’ll want to make sure you select a plan that works in your budget. Before you begin looking it’s a good idea to have a spending range in mind.
  • Understand your needs: You could get the very best insurance in the world with the most coverage and it may not be right for you. Your situation is unique so spend some time considering your needs before you jump on board with a provider.
  • Do your research: Compare plans, check to see what kind of coverage is out there! Compare premiums, deductibles, coverage, even compare their customer service. Be prepared to ask questions, make sure you get all the information you need to make a decision.