Cleaning Business Insurance: Costs & Best Providers in 2025
Running a cleaning business without the right insurance coverage is like walking on a freshly mopped floor in socks — risky and potentially expensive. Whether you’re offering residential, commercial, or post-construction cleaning services, having the proper insurance isn’t just smart — it’s essential.
In this guide, we’ll break down everything you need to know about cleaning business insurance in 2025: what it covers, how much it costs, and who the best providers are. If you’re a cleaning service provider looking to protect your company and boost credibility with clients, keep reading.
Why You Need Insurance for a Cleaning Business
Whether you’re a solo cleaner or manage a full cleaning crew, accidents happen:
- A client slips on a wet floor.
- A valuable item is accidentally broken.
- One of your workers gets injured on the job.
Having liability insurance, workers’ comp, and vehicle coverage protects your finances and ensures you meet state and client contract requirements.
Types of Cleaning Business Insurance You Need
| Type | Coverage |
|---|---|
| General Liability | Covers damage to property or bodily injury to third parties. |
| Workers’ Compensation | Required in most states; covers employee injuries and lost wages. |
| Commercial Auto Insurance | For company vehicles or personal cars used for work. |
| Janitorial Bond/Surety Bond | Protects clients in case of employee theft. |
| Tools & Equipment Insurance | Covers loss or damage to cleaning tools and machines. |
| Umbrella Liability | Adds extra protection beyond policy limits. |
💡 Pro Tip: Some commercial contracts and marketplaces (like Thumbtack or Angie’s List) require you to carry specific insurance types.
How Much Does Cleaning Business Insurance Cost?
Here’s a breakdown of average insurance costs in 2025 for cleaning companies in the U.S., depending on your team size and services:
| Insurance Type | Estimated Monthly Cost | Annual Range |
|---|---|---|
| General Liability | $40 – $85/month | $480 – $1,000 |
| Workers’ Compensation | $85 – $150/employee | $1,000 – $1,800 |
| Commercial Auto | $100 – $175/vehicle | $1,200 – $2,100 |
| Bonding | $8 – $15/month | $100 – $180 |
| Tools & Equipment | $10 – $25/month | $120 – $300 |
📍 Location Matters: Insurance premiums in California, especially in places like San Jose or Los Angeles, may be higher due to labor laws and cost of living.
Best Insurance Providers for Cleaning Businesses (2025)
These are the top-rated cleaning business insurance providers based on affordability, ease of application, customer service, and online tools:
1. NEXT Insurance
- Best for small and solo cleaning businesses
- Fully online process, affordable packages
- Bundle discounts available
2. Hiscox
- Specialized small business policies
- Excellent for startups and growing teams
- Quick quotes and strong customer service
3. Thimble
- Flexible monthly and on-demand insurance
- Great for part-time cleaners or one-time jobs
- App-based certificate generation
4. The Hartford
- Known for bundling General Liability and Workers’ Comp
- Best for businesses with multiple employees
- Offers auto and property coverage
5. Travelers
- Ideal for businesses requiring custom, high-value coverage
- Strong reputation in Workers’ Compensation and umbrella policies
- Backed by strong financial ratings
How to Choose the Right Insurance Policy
Before you pick an insurance provider, consider these steps:
- Evaluate Your Risks – Do you clean homes, offices, or construction sites?
- Check State Requirements – Especially for Workers’ Comp and bonding.
- Request Multiple Quotes – Compare prices and policy limits.
- Ask About Bundling – Save money by combining policies.
- Verify Certificates of Insurance (COI) – Especially if working with commercial clients.
💡 Protect Your Business, Build Trust
Having the right cleaning business insurance does more than protect your business — it builds trust with clients, helps you win larger contracts, and ensures you’re legally compliant.
By investing in the right coverage now, you’re setting your company up for growth, security, and long-term success.
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