Cleaning Business Insurance and Bonding in Florida
In the Sunshine State, where humidity can turn dust into grime faster than you can say “gator,” cleaning is no easy task. So whether you’re sprucing up condos in Miami or tidying up offices in Orlando, our cleaning business insurance in Florida is designed to handle all the unexpected messes.
Top Florida Cleaning Businesses We Cover
Florida Cleaning Insurance Coverages (+ their costs)
To keep your cleaning business spotless from Miami to Jacksonville, you’ll need the right protection toolkit. Here’s the average breakdown of the most popular cleaning insurance policies we offer in Florida and their costs:
| Single-person businesses | ||
|---|---|---|
|
General Liability Insurance |
$571.00 / year
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Cyber Liability Insurance
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$99 / year
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Tools and Equipment Insurance
|
$40.00 / year
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Janitorial Bonds
|
$131 / year
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Additional Insureds
|
$10 / year / AI
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Workers’ Compensation
|
$1,141.86 / year
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General Liability Insurance
In Florida, the only thing hotter than the sun can be the lawsuits! General liability insurance shields you from claims related to bodily injury, property damage, or personal injury that may occur during work.
For instance, if a client slips on a freshly mopped floor and gets injured, this can help cover medical expenses and legal costs associated with the incident. However, it’s important to note that this coverage does not extend to injuries sustained by you or your employees—it only covers your clients and third parties.
Tools and Equipment Insurance
Tools and equipment coverage is an add-on to your general liability insurance, perfect for Florida cleaning businesses facing unpredictable weather or busy work environments. It helps cover the cost of repairing or replacing any essential tools or supplies if they’re damaged or stolen, so you can keep scrubbing without interruptions.
Janitorial Bonds
Consider your janitorial bond as your “good housekeeping” seal of approval. It is a contract that guarantees you’ll reimburse your client if one of your employees is accused of stealing from them.
While not required for all cleaning businesses—unless you’re working with government agencies—having a bond can make you more attractive to clients who only work with bonded cleaning companies.
We’ve got two bond options to fit your business needs.
| Bond Option | Annual Cost (starts at) | ||||
|---|---|---|---|---|---|
|
$5,000 Bond |
$131
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$10,000 Bond
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$175
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After you purchase a general liability policy, you can easily add a janitorial bond directly from your customer dashboard.
Additional Insureds
Opting for additional insureds is about giving extra protection to clients, landlords, and other qualified third parties should they be named in a suit arising from your work — so they feel safe and secure knowing they’re covered under your policy. For example, if a customer slips and falls on a wet floor you just mopped and requires medical treatment; they could sue both you and your client for their injuries. As an additional insured on your policy, your client would be protected from claims related to your cleaning work.
Workers’ Compensation Coverage (Coming Soon!)
Workers’ compensation covers medical expenses and lost wages if your staff gets injured on the job.
This insurance is required for businesses with more than four employees in Florida, and it isn’t just for big operations; it’s also a smart move for smaller teams. After all, a few bucks now can save you from a major cleanup on your bank account later if someone has a slip, trip, or fall.
Cyber Liability Insurance
Gathering emails for digital marketing? Housing client addresses online? If you use digital means to conduct any part of your cleaning business, cyber liability coverage can help you with:
- Data breach notification costs
- Customer data loss
- Ransomware and cyber extortion
- Legal fees
- Business interruption fees
Florida Business Insurance Requirements
Here are the key types of insurance coverage required and recommended for Florida businesses.
Essentials Coverage Options
- General Liability: Covers third-party bodily injury, property damage, and lawsuits.
- Business Property Insurance: Protects against damage to property, equipment, and inventory.
- Commercial Auto Insurance: Required for business vehicles, covering accidents and liability.
- Workers’ Compensation: Required for Florida businesses with four or more employees. Protects against work-related injuries.
Supplementary Coverage Options
- Business Owner’s Policy (BOP): Combines coverages like liability and property insurance into one package.
- Professional Liability: Protects against claims of negligence for professional services.
- Business Interruption Insurance: Covers lost income during events like natural disasters.
- Cyber Liability: Protects your business from financial losses due to data breaches, cyberattacks, or other digital threats.
- Janitorial Bonds: Not required unless working with government agencies, but having one can attract clients who prefer bonded cleaning services.
Do I Need Bonding for My Florida Cleaning Company?
Although Florida law doesn’t mandate bonding, it’s highly recommended. It protects your cleaning business from potential theft or damage claims and displays your reliability to clients. You can also gain a competitive advantage and attract more customers to your business by being bonded.
How to Apply for Cleaning Business Insurance in Florida
Applying for cleaning business insurance with Insurance Canopy is quick and easy:
- Assess your needs: Identify coverage types needed for your cleaning business, considering Florida-specific risks like hurricanes and floods.
- Check Florida requirements: Make sure you understand state regulations, such as needing workers’ compensation if you have more than four employees.
- Fill out the form: Complete our online form with details about your business, including your services and location in Florida.
- Provide business information: Share specifics about your operations, such as employee count and areas served, especially if you’re in high-risk zones.
- Receive a quote: Get a quote tailored to your Florida business.
- Purchase and activate: Finalize your policy and start coverage immediately to protect your business.
With Insurance Canopy, getting insured is fast and hassle-free! Not sure where to start? Speak with one of our licensed, non-commissioned agents who can provide expert advice tailored to your business needs.
Get Instantly Insured Online with Insurance Canopy!
Ready to mop up the best coverage for your cleaning business in Florida? No mess, no stress—just unbeatable rates and complete protection. Get insured with Insurance Canopy today and keep your business sparkling clean!
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.
