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Commercial cleaning insurance

If you run a cleaning service business, you know that just about anything can happen when you and your employees are on the job. A member of your team could trip on a wet floor or bulky cleaning supplies and break their arm. You could get sued by a client for subpar janitorial services. You could get in an auto accident on the way to a job site. And when an unexpected problem occurs, it could mean big trouble for your business if you don’t have the right legal and financial backup.

That’s why you need excellent business insurance for your cleaning business. The right set of cleaning service insurance policies will help protect your business in the worst circumstances—and give you the peace of mind you need to run your company without fear of the unknown.

Does your business specialize in cleaning private homes? Read more about how to get house cleaning business insurance and carpet cleaning business insurance here.

The most common types of commercial cleaning business insurance

Workers' Compensation Insurance

Protects your team of cleaning professionals by covering their medical bills, lost wages, and possible legal fees if they get sick or injured on the job.

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Business Owner's Policy

Also known as a BOP. Includes general liability coverage, business interruption insurance, and business property coverage in one convenient policy.

General Liability Insurance

Protects your cleaning company if you ever get sued by a third party for property damage, bodily injury, advertising injury, and more. (Not to be confused with professional liability insurance.)

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Commercial Property Insurance

Covers the building your cleaning business owns (and the cleaning equipment inside).

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Commercial Auto Insurance

Covers the vehicles used primarily for your cleaning business (whether you own them personally or whether the business owns them).

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How much does cleaning business insurance cost?

Insurance companies will quote your cleaning business based on where you are and how many people you’ve hired, but a business insurance policy can be pretty affordable.

For example, with Huckleberry, cleaning businesses have paid as little as $62 per month for their workers’ compensation—and as little as $55 per month for a Business Owner’s Policy.

See how much you could save on workers’ compensation insurance premiums with Huckleberry’s workers’ compensation calculator. Or take a few minutes to get a free, comprehensive business insurance quote here.

Cleaning business insurance Q&A

• What insurance do you need for a cleaning business? While there isn’t a single policy covering all the risks you face as a small business owner, most cleaning businesses need general liability insurance, business property coverage, and commercial auto insurance. You should consider a Business Owner’s Policy if you’d like to bundle your coverages, and if you have employees, you’ll need workers’ compensation (it’s mandatory in most states).

• I need a Certificate of Insurance. How do I get it, and does it cost extra? Are you a Huckleberry customer? Great. In that case, you can get your proof of insurance instantly—and for free—at our Certificate of Insurance page. We’ll also send certificates to whomever you like at no extra charge. Pretty good deal.

• Who is Huckleberry Insurance? Huckleberry sells fast, simple small business insurance. Everything is 100% online and 100% easy—get a free quote today.

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