Cleaning Business Insurance Costs

How much is cleaning insurance?

Do you own your own cleaning business? Then you need to get business insurance to cover you, just in case something unexpected were to happen. We compare insurance rates from more than 30 different top insurance providers, guaranteeing you receive the right coverage, and at the best price.

Why do I need cleaning business insurance?

As a cleaning business owner, you need cleaning business insurance in case something were to happen while you and/or your employees were working on the job. There are a variety of risks that come with running a professional cleaning business, including slipping and falling, breathing in toxic chemicals, and accidentally breaking someone else’s property.

How much does cleaning business insurance cost? 

Of course, you want to pay the lowest price for the best coverage. Simply answer the below questions, and along with the laws in your state you can determine the types of business insurance you must purchase to protect your cleaning business. Once you have chosen your specific types of coverage, you might pay anywhere between $38 and $287 a month for full cleaning business coverage. There are tons of things that go into small business insurance costs.

Here are a few factors:

• Where do you live?
• Where is your business located?
• Do you run your business from home or a physical location?
• Do you specialize in a certain type of cleaning service?
• How many employees do you have?
• What is your payroll size?
• How large is your service area?
• What is the worth of your cleaning business tools and equipment?
• Have you previously filed insurance claims?
• How much insurance coverage do you need?

What type of insurance should a cleaning business have?

The main types of insurance professional cleaning businesses need are general liability, professional liability, business property, commercial auto, and workers’ compensation. 

General liability insurance for a cleaning business

General liability covers any claims filed against your cleaning business that involve third-party bodily injury, property damage, personal injury, and/or advertising injury.

General liability insurance costs for cleaning businesses – expect to pay between $38 and $62 a month

Professional liability insurance for home health caregivers

Professional liability covers any claims filed against your business if someone accuses you or your employees of poor work performance, negligence, or malpractice.

Professional liability insurance costs for cleaning businesses – expect to pay between $14 and $57 a month

Business property insurance

Business property covers you when your business property happens to get damaged during an accident, certain weather events, as well as other types of hazards.

Business property insurance costs for cleaning businesses – expect to pay between $32 and $48 a month

Commercial auto insurance 

Business auto covers commercial vehicles used while working. 

How much does business auto insurance cost? – expect to pay between $110 and $149 a month

Workers’ compensation insurance 

Workers’ comp helps cover medical expenses and lost wages when an employee is injured or gets sick while working on the job.

Workers’ compensation insurance costs for cleaning businesses – expect to pay between $150 and $231 a month

What are additional insurance options for a cleaning business?

Have a large cleaning business or want peace of mind of knowing you are fully covered for any situation? See the additional cleaning business insurance options below.

Inland marine insurance 

Inland marine helps cover the repair or replacement of any lost, stolen, or damaged cleaning business tools and/or cleaning business equipment.

How much does inland marine insurance cost? – expect to pay between $15 and $23 a month

Hired and non-owned insurance

A hired and non-owned cleaning business insurance policy covers hired, rented, and borrowed vehicles you need to use to properly perform a cleaning business job.  

Hired and non-owned insurance costs for cleaning businesses – expected pay between $7 and $12 a month

Umbrella insurance policy

We offer small business umbrella insurance if you are looking for a little extra protection to add to an existing business insurance policy. This is a great option if you are concerned that you might have a claim that is greater than your policy limit, which means you have to pay. If you purchase an umbrella policy from us, this policy will pay instead of you.