House Cleaning Insurance Cost
Curious about how much house cleaning insurance costs and tired of hearing “it depends”? Insurance Canopy has you covered. We make it easy to understand the coverages you need and how you can control your costs.
How Much Does Insurance Cost for a House Cleaning Business?
House cleaning insurance cost starts at just $39 per month or $435 per year. Compared to the national average of $520 a year, our rates help you save on expenses without sacrificing the solid protection your business deserves.
Most Popular House Cleaning Insurance Policies (+ Their Cost)
There are essentials every house cleaner should have in their protection toolkit. Here’s a breakdown of the most popular policies and its associated house cleaning insurance costs.
| Our Average Price | Industry Average | |
|---|---|---|
|
General Liability Insurance |
$679.92 / year |
$884.81 / year |
|
Tools and Equipment Insurance |
$51.64 / year |
$384.41 / year |
|
Janitorial Bonds |
$106 / year |
$126/year |
|
Additional Insureds |
$10 / year / AI |
|
|
Workers’ Compensation |
$1,141.86 / year |
$1,627 / year |
|
Cyber Liability Insurance |
$99 / year |
$1,740 / year |
**based on the median cost of policies for cleaning insurance bought with Insurance Canopy.
General Liability Insurance
General liability insurance shields you from claims related to third-party bodily injury, property damage, or personal injury that may occur because of your work.
For instance, if a client slips on a floor you just waxed and sprains their wrist, general liability can cover their medical expenses and the legal costs associated with the incident.
It’s important to understand that this coverage only covers your clients and other third parties, not injuries or property damage sustained by you or your staff.
| Coverage | Lowest Annual & Monthly Cost |
|---|---|
|
$500K Per Incident / $1M Per Year |
$435 / $38.33 |
|
$1M Per Incident / $2M Per Year |
$470 / $41.67 |
Tools and Equipment Insurance
Tools and equipment coverage, also known as inland marine insurance, is here to save your gear (and keep your business up and running). It’s designed to protect your essentials—from vacuums to house cleaners — if they are stolen or damaged.
| Limits (Occurrence / Aggregate) | Premium per month | Premium per month | Deductible |
|---|---|---|---|
|
$1,000 / $3,000 |
$3.33 |
$40 |
$500 |
|
$2,000 / $6,000 |
$4.58 |
$55 |
|
|
$5,000 / $10,000 |
$5.00 |
$60 |
|
Janitorial Bonds
Janitorial bond is your “good housekeeping” seal of approval. Plus, you may be required to obtain a bond for a government or commercial contract.
This tells clients you’ll complete your house cleaning services according to agreed-upon standards and handle mishaps in a professional manner. If things get messy, this bond can step in to cover the costs, keeping your reputation spotless.
Insurance Canopy offers two bond options to fit your business needs.
| Bond Option | Annual Cost |
|---|---|
|
$5,000 Bond |
$131 |
|
$10,000 Bond |
$175 |
Additional Insureds
Additional insureds are third parties (like a landlord or a commercial client) who require you to add them to your insurance policy. If they are named alongside you in a suit, your coverage can extend to them if the claim arises out of your work — it’s common to be asked for this when working as a contractor.
For example, let’s say a real estate agent hires you to clean before an open house. A visitor arrives early, slips on the floor you just mopped, ends up in the ER, and sues both you and the real estate agent to cover their medical expenses. If the agent (or the agency they work for) is an additional insured on your policy, your coverage can extend to them.
Price per additional insured: $10/year
Workers’ Compensation
Ever wonder what would happen if one of your team members fell off a ladder at work or strained their back while loading heavy equipment into their vehicle?
Workers’ compensation covers medical expenses and lost wages! The exact cost of your premium will vary based on your specific needs and the level of service you require. Also, note that some states manage workers’ compensation monopolistically, so this coverage might not be available to you.
Employers’ Liability Coverage Limits
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Policy Limit
The maximum coverage for bodily injury to one or more employees in any one accident.
$1,000,000 Each Accident
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Each Employee
Cyber Liability Insurance
It’s becoming rare to go a day without a data breach or other cybercrime in the news. If you keep customer information or process payments online, having cyber liability coverage can help you with:
- Data breach notification costs
- Customer data loss
- Ransomware and cyber extortion
- Legal fees
- Business interruption fees
|
Monthly Premium |
$8.25 |
|
Annual Premium |
$99.00 |
|
Coverage
|
$100,000 Cyber Coverage Limit
including $50,000 in E-Theft Coverage
|
Factors Affecting Your House Cleaning Business Insurance Costs
Here’s a breakdown of what could affect your house cleaning service insurance and bonding cost in the end:
Size of Your Business
As your business grows, so does its risk exposure. Larger operations may face more frequent claims or larger liability issues, which factors into pricing.
Location
Your rates can change based on where your house cleaning jobs are and the local risks, such as crime rates, natural disasters, and the specific regulations in your area.
Claims History
Had some claims before? That can bump up your premiums — past claims could indicate a higher likelihood of future claims. If your house cleaning business has a record of frequent claims, insurers may view you as a higher risk, which can lead to increased premiums.
Coverage Limits
Need higher coverage limits than are included in the base policy? That’ll add to your house cleaning business insurance cost. Simply put, higher coverage limits come with a higher price tag. It’s important to balance the coverage you need with your budget to ensure you’re not under- or over-insured.
Additional Coverages
Extras like tools and equipment insurance or workers’ comp provide important protection but come with extra house cleaning company insurance costs.
Tips for Saving on House Cleaning Business Insurance
Want to cut your house cleaning insurance costs without cutting corners when it comes to financially protecting your business? Here are some ways you can get the best coverage while still keeping your expenses in check:
Bundle Policies & Pay Annually
If you combine different types of coverage, like general liability and tools insurance, you can lower your costs. Insurance Canopy also gives you a discount if you choose to pay once a year instead of every month. This way, you can save more money and keep your house cleaning business covered!
Review Coverage
Make sure you’re only paying for what you actually need. Adjusting coverage limits and removing unnecessary add-ons reduces your cost without compromising essential protection.
Boost Safety
Better safety practices can lead to lower rates. By reducing the risk of accidents and claims, you demonstrate to insurers that your business is lower risk, which can translate to savings.
Shop Around
Don’t just settle for the first quote. Compare providers to find the best combination of high-quality coverage, customer support, and competitive cost.
Maintain a Clean Record
Fewer claims can keep your premiums low. When insurers view your business as less risky, this often results in better pricing.
Click, Cover, Clean — Get Instant Coverage with Insurance Canopy!
Ready to scrub away the worries? Get unbeatable rates and rock-solid protection with Insurance Canopy’s house cleaning insurance!
Allison Kirschbaum | Copywriter
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
