Cleaning Business Insurance and Bonding in California
In the Golden State, where a sunny day can quickly turn into a dust storm, keeping things clean is no small feat. Whether you’re sprucing up cozy bungalows in Santa Monica or tidying up tech offices in Silicon Valley, our cleaning business insurance in California is crafted to tackle all those unpredictable messes.
Top California Cleaning Businesses We Cover
California Cleaning Insurance Coverages (+ their costs)
Whether you’re sweeping the sands of Malibu or scrubbing skyscrapers in San Francisco, your California cleaning business needs a solid insurance plan to keep things shiny and smooth. Here’s a breakdown of the most popular cleaning insurance policies we offer in Cali and their estimated costs:
| Single-person businesses | ||
|---|---|---|
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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
If a client slips on a freshly mopped floor and gets injured, general liability insurance can help cover their medical expenses and any legal costs. It’s comprehensive, covering new locations and activities your business takes on during the policy term.
The classification of your business plays a key role in determining your commercial general liability (CGL) policy. Specific codes are assigned based on the common risks associated with your type of operation. This classification is the foundation for calculating your insurance premium, ensuring that your coverage is tailored to the unique exposures of your business.
Tools and Equipment Insurance
Whether you’re dealing with the heat of the desert or the coastal humidity, tools and equipment insurance, also known as inland marine coverage, helps cover the cost of repairing or replacing essential tools and supplies if they’re damaged or stolen. Keep your operations running smoothly.
Janitorial Bonds
A janitorial bond is a contract that ensures you’ll pay your client back if one of your employees is accused of stealing from them.
With Insurance Canopy, you can choose from 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
Adding additional insureds extends coverage to your clients or landlords, ensuring they’re protected under your policy. For example, if a passerby falls on a floor you just waxed and requires medical care, they could sue both you and your client for medical expenses. As an additional insured on your policy, your client can be covered for claims arising out of your work.
Workers’ Compensation Coverage (Coming Soon!)
If one of your cleaning team members slips on a wet floor or strains their back lifting heavy equipment, workers’ compensation is there to cover medical expenses and lost wages.
In California, it’s not just good practice—it’s the law. Under California Labor Code Section 3700, all employers with one or more employees must provide Workers’ Compensation.
Even if you’re a sole proprietor, you might consider coverage to protect yourself, though alternative options like health or disability insurance could be worth exploring. Make sure to consult a licensed broker to choose the best coverage for your cleaning business.
Cyber Liability Insurance
If your cleaning business handles client information or runs digital marketing campaigns, consider cyber liability coverage for:
- Data breach notification costs
- Customer data loss
- Ransomware and cyber extortion
- Legal fees
- Business interruption fees
California Business Insurance Requirements
Here are the key types of insurance coverage required and recommended for California businesses.
Essentials Coverage Options
- Workers Compensation: Required if you have non-owner employees, covering medical expenses and wage replacement for job-related injuries.
- Commercial Auto Insurance: Required for business-owned vehicles, covering property damage, medical expenses, and legal liabilities.
- General Liability: Covers property damage, medical expenses, and legal claims.
Supplementary Coverage Options
- Business Owner’s Policy (BOP): Bundles property and liability coverage into one policy.
- Commercial Crime Insurance: Protects against theft, embezzlement, and other crimes.
- Cyber Liability: Covers data breaches and cyberattacks.
- Inland Marine Insurance: For transporting business property and all tools needed for cleaning.
- Bonds: Provides a financial guarantee to compensate your client if an employee is accused of theft, helping protect your business’s reputation and maintain trust.
Industry-Specific Coverage Option
- Boiler and Machinery Insurance: For businesses using heavy machinery.
Do I Need Bonding for My California Cleaning Company?
In California, some specialized cleaning services may be legally required to have bonding to meet state regulations. Being bonded not only helps you comply with these laws but also sets your company apart from competitors.
Many clients, especially big companies, require you to be bonded. It’s your ticket to staying competitive and proving you’re reliable!
How to Apply for Cleaning Business Insurance in California
Applying for cleaning business insurance with Insurance Canopy is quick and easy:
- Assess your needs: Identify the coverage types you need.
- Check state requirements: Verify California’s legal insurance mandates, (especially for workers comp if you have employees).
- Gather necessary documentation: Prepare your business license, financial records, and details about your cleaning services and equipment.
- Fill out the form: Complete our simple online form—takes less than 10 minutes.
- Receive a quote: Get a tailored quote based on your information.
- Finalize and get covered: Confirm your policy and enjoy peace of mind.
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 sweep up the best coverage for your California cleaning business? No fuss, no dust—just great rates and solid protection. Get insured with Insurance Canopy today and keep your business spotless!
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.
