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Cleaning Business Insurance: Insurance for Cleaning Company

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Homepage > Business Insurance > Cleaning Business Insurance: Insurance for Cleaning Company


If you are asking questions like: “do cleaners need insurance?" or "what insurance is needed for a cleaning business?” - then you have reached the right place.

Whether you’re looking for window cleaning insurance or house cleaning insurance and bonding, purchasing your small cleaning business insurance is one of the first steps to getting your company financially secure. 

One of the many reasons why purchasing commercial cleaning insurance is so important is that most customers would prefer to use the services of businesses that have business insurance. In the cleaning industry, a lot of accidents can happen. Often these accidents can be quite costly, so the individual hiring your cleaning service will want to have an assurance that any and all damage to their property will be fully covered. 

In this article, we’re going to break down the average cleaning business insurance cost, answer some of the most commonly-asked questions regarding cleaning service insurance, and list our reviews of the best insurance for cleaning businesses. Let’s get started!

cleaning grey carpet

Cheap Business Insurance Near Me

General Liability Insurance for a Cleaning Business: The Basics

A cleaning business can mean a lot of different things. It could be cleaning the windows on high-rise buildings, cleaning homes, dry cleaning clothes, pressure washing homes and offices, and more. Regardless of what type of cleaning your company does, though, it all falls under the same broad category. This means you’ll need to start by asking the insurance company to purchase liability insurance for a cleaning business

So, what is general liability insurance

Essentially, it’s a cleaning business insurance coverage type that covers any damage that you or your company might incur while on the job. For example, if you accidentally tear a nice rug or carpet, your carpet cleaning insurance will cover the costs of repairing or replacing the damaged floor. Additionally, it can also cover other damages such as third-party injuries if a passerby trips and falls over your cords or hoses. 

In the cleaning industry, anything can happen. From accidents at the janitorial side to cleaning high-end mansions and offices and client lawsuits, the best way to be prepared is to have proper cleaning liability insurance in place.


Cleaning Business Insurance Cost Chart

Whether you’re looking for window cleaning insurance costs, house cleaning insurance costs, or any other type of cleaning business, we got you covered! Ultimately, the average cost of your cleaning business insurance policy will depend on how much insurance coverage you need, the type of policy you have, the risk associated with your particular cleaning business, and the locations you’re operating your business in

However, for those who are curious for the numbers, we’ve put together a chart depicting the average cost of business insurance for a cleaning company of different niches. 

Type of Cleaning InsuranceAverage Cost Per Month
Pressure washing business insurance$100/month
Window cleaning business insurance$75/month
Dry cleaners insurance$150/month
Home cleaner insurance$110/month
Commercial cleaning business insurance$250/month
Self-employed cleaner insurance$100/month
High-rise window cleaning insurance$350/month
Pool cleaning insurance$85/month
Insurance for carpet cleaning business$120/month

As you can see, the more risk is involved, the more expensive your cleaning insurance tends to be. For example, there is a huge risk involved in high-rise window cleaningboth for employees and anybody standing below. This is exactly why window cleaning insurance cost is significantly higher than other cleaning businesses that involve less risk, like cleaning small residential homes.

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Best Cleaning Insurance Companies

Now that you have somewhat of an idea on the average cost of liability insurance for a cleaning company, it’s time to take a minute to provide you with a brief overview of the best providers of insurance for a cleaning business. 

GEICO Cleaning Insurance

Everybody knows Geico by the little green gecko who talks about how customers can “save 15% or more by switching their car insurance.” However, Geico also provides insurance for self-employed house cleaners, workers compensation insurance for cleaning businesses, pressure washing businesses, and just about any other small business you could think of. Generally, Geico is known for fair insurance premiums pricing, their easy-to-use app, and overall versatility as an insurer. Geico has a strong history in car insurance, which makes them a great choice for commercial auto insurance if you have any company vehicles you need to insure (such as window cleaning van insurance). 

Pros:

  • Versatility in business insurance. 

  • Fast, easy-to-use smartphone app. 

  • Instant insurance coverage. 

Cons:

  • There are other cheaper insurance providers. 

Best For:

  • Commercial window cleaning liability insurance, residential cleaning insurance, commercial auto insurance. 

Average Cost:

  • $80 to $150/month. 

Rating: 

  • 4.5/5 

State Farm Cleaning Insurance

If you’re looking for reliable insurance for a home cleaning business, then State Farm is highly regarded in terms of customer service. They have offices across the country which means that it’s relatively easy to get in contact with an agent and speak with somebody in-person, should the need ever arise. As far as pricing goes, State Farm is also quite competitive. Their cleaning business insurance and bonding cost is very similar to the rates offered by GEICO and Progressive. 

Pros:

  • Free cleaning insurance quotes. 

  • Competitive rates for cleaning service insurance costs. 

  • Friendly customer service. 

  • Offices nation-wide. 

Cons:

  • Claims may take a while to process. 

Best For:

  • Small cleaning businesses such as local pressure washers, self-employed cleaners, auto detailers, or dry cleaning shops. 

Average Cost:

  • $90 to $160/month.

Rating: 

  • 4/5 

USAA Cleaning Insurance

If you’re looking for cheap cleaning business insurance, then USAA has the best prices on the market. Time and time again, they’ve been consistently ranked as the lowest-cost insurer in the United States. However, there’s one catch- you have to be in the military (active duty or retired) to apply. 

Whether you need insurance for a house cleaning business or a larger commercial cleaning business, USAA can provide business owners with comprehensive and affordable plans that can’t be beat by any other insurer on the market. They’re also well known for their respectful customer service, rewarding long-term members, and for their reliability. 

Pros:

  • Cheapest insurer in the U.S. 

  • Can provide a diverse range of insurance policies for different cleaning businesses. 

  • Reliable, friendly customer support and claims management. 

Cons:

  • Only available to the military. 

Best For:

  • Veteran and military business owners. 

Average Cost:

  • $65 to $125/month. 

Rating: 

  • 5/5


Compare Cleaning Business Insurance Quotes 

The numbers we’ve listed above are all average numbers taken by surveying a variety of different cleaning contractors’ insurance policies. To get more accurate quotes for your specific cleaning business, try using our free business insurance quote generator! Simply hit the get quotes button at this page. It only takes a few minutes to answer few questions and will generate competitive cleaning business insurance quotes tailored for your business - from the best insurers in the market!

Compare Cleaning Business Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

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