Cleaning Business Insurance
Sweep away risks with affordable insurance for cleaning mishaps, damage, and lost gear—let your business shine!
- Wallet-Friendly Coverage
- Built for Small Businesses
- Instant Proof of Insurance!
Tailored To Your Cleaning Business Profession
Along with the professions listed below, we also provide insurance for small cleaning businesses, commercial cleaning businesses, residential cleaning businesses, and self-employed cleaners.
Why Do Cleaning Businesses Need Insurance?
Paying a premium for cleaning insurance can feel like just another expense—until a big claim hits. From accidental property damage to injuries sustained by employees or clients, claims in the cleaning industry are more common than you might think! Without proper insurance coverage, these risks can lead to substantial financial losses and legal liabilities.
If you shatter a client’s priceless vase
Accidents happen! We’ll replace or repair the item in no time.
If a “wet floor” sign goes unnoticed, resulting in injuries
We’ll flip the bill on the medical expenses.
If a client accuses your staff of theft
Get bonded and protect your business against claims of employee dishonesty.
If your cleaning supplies get stolen
No need to panic, your new cleaning gear is on us!
How Much Does Insurance For Cleaning Companies Cost?
Our cleaning company insurance starts as low as $39 per month. There are several factors that can influence the final cost, though, so be sure to understand exactly what goes into your cleaning insurance costs.
Through our 100% online application, you can get a no-hassle quote based on your exact business needs in less than 5 minutes!
Save when you choose annual!
Why juggle monthly payments when you can take care of it all at once? Save 12% when you pay $435 upfront for the year, and kick back with the peace of mind that your cleaning insurance is all set. It’s like giving yourself a little gift of convenience!
What Does Cleaning Business Insurance Cover?
We recommend small cleaning businesses add coverages to protect them from accidental property damage, client injuries, chemical mishaps, and lost or stolen supplies. Be sure to check out the excluded activities before purchasing.
Included
General Liability Coverage
General liability insurance (Public Liability) for cleaning businesses protects cleaners from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client trips over equipment while the cleaner is working on-site, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, this coverage does not extend to you or your employees; it only protects clients or the public if they are injured on your property or as a result of your employee’s actions.
Add-Ons
Cyber Liability Coverage
If your business faces a cyberattack or data breach, this insurance covers the costs of getting back on your feet, like legal bills, notification expenses, and credit monitoring for affected individuals.
Tools and Equipment Coverage
Tools and equipment coverage, also known as inland marine, provides protection for the valuable equipment used by cleaners. This insurance steps in when your trusty tools get damaged or stolen while on the job.
Janitorial Bonds
A staple in the cleaning world, bonds help protect your company against employee dishonesty. Because your staff often works unsupervised among clients’ valuables, this can lead to theft, causing financial loss and damaging client trust.
For the best coverage against theft, combine general liability insurance with a bond. At Insurance Canopy, you can buy a bond starting at $110/year.
Additional Insureds
Adding an additional insured allows another individual or entity to be protected under your policy. This is particularly important for commercial cleaners, as many commercial or government cleaning contracts require that they be added as an additional insured. This ensures that both you and your clients are covered in case any incidents or claims arise on the job.
Workers Compensation Coverage (Coming Soon!)
Your cleaning crew is the heart and soul of your business. If they ever get hurt or sick while working, this insurance steps in to cover their medical bills, lost wages, and even helps with their recovery, ensuring they can scrub, mop, and dust with confidence.
Get notified when workers compensation is available in your state!
Commercial Auto Coverage (Coming Soon!)
Using commercial vehicles to travel to and from job sites? Make sure you have commercial auto insurance for your cleaning business. This insurance is designed to compensate you for financial loss if one of your vehicles is in an accident or encounters another problem covered by your policy.
Coverage Limits for Cleaning Business Insurance
Maximum Cleaning Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits / Occurrence / Aggregate
Premium
Deductible
$1,000/$3,000
$40
$500
$2,000/$6,000
$55
$5,000/$10,000
$60
Have questions?
Our licensed agents are available to answer any questions you may have!
se habla español
Why Cleaning Businesses Choose Insurance Canopy
For insurance cleaning businesses can trust, look no further than Insurance Canopy.
Affordable & Transparent Policies
Our policies are clear and straightforward, with no hidden surprises—providing reliable protection for your cleaning business.
Tailored for Small Businesses Like You
We’re aware of the unique risks cleaners face. Our coverage is designed to protect your expertise and support your business as it grows.
100% Online With Human Expert Support
Manage everything online with ease, while having expert 1:1 support when you need it. We’re here to assist you every step of the way.
100,000+ Small Businesses Trust Insurance Canopy
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Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024 -
Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024 -
Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024 -
Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024 -
I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024great experience so far, always able to reach a human representative on the phone!
New Groove
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
Adriana Chacon
March 25, 2024 -
Very easy process to get peace of mind
Kristen Talusan
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate Whelan
March 25, 2024Super friendly service..
Kristina Strong
March 25, 2024
-
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
She is positive and friendly !
Alan Dynin
September 14, 2024 -
Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024
Questions You've Asked Us About Cleaning Business Insurance
Is my cleaning insurance policy effective immediately?
Yes—your insurance policy can be immediately active upon purchase! You’ll receive instant coverage confirmation and your Certificate of Insurance (COI) as soon as you complete the online application and payment. You’ll even get a badge for your website, so both prospective and current clients know you’re insured!
Can I cancel my cleaning policy at any time?
You may cancel your policy at any time, but there is no money-back guarantee on months that you have already paid for. At Insurance Canopy, once you’re covered, you’re covered—our policies are 100% non-refundable. That means, in general, once your policy starts, you can’t cancel it for a refund. However, there are a few rare exceptions.
The one major exception is if one of our compliance officers decides your business doesn’t meet our policy standards within three business days of purchase. In that case, it’s like your policy never existed, and you’ll get a full refund.
How do I file a cleaning business claim?
Filing claims with Insurance Canopy is easy! Here’s the fastest route to success:
- Log in to your dashboard
- Find “Manage Policies”
- Click on “File a Claim” and share your info
Once you’re done, a claims adjuster will get in touch to assist you. They’ll be with you every step of the way to ensure the claims process goes smoothly.
Note: If you file a claim after canceling your insurance, you won’t be covered unless your policy is active when the incident occurs. Insurance only offers protection while your policy is active, so make sure you have continuous coverage to stay protected! Our support team is here to help any time. If you have any questions or need assistance, please reach out.
How do I renew my cleaning insurance policy?
Renewing your cleaning policy has never been easier. Our EZ-Renew feature automatically refreshes your policy annually, ensuring that your coverage won’t miss a beat. This removes the stress of a claim occuring while your policy isn’t active, which could leave you unprotected.
And don’t worry — we’ll email you a reminder before your policy refreshes, that way you always know when you’ll be billed. If you wish to opt out of EZ-Renew but still wish to continue your coverage, you only need to complete a new application when your policy is up. If your coverage needs to change, you can also adjust your policy by contacting our support team.
What’s the difference between General Liability and a BOP?
General Liability (GL) insurance shields your janitorial business from bodily injury, property damage, or personal injury claims. A Business Owner’s Policy (BOP) bundles GL with business interruption and commercial property insurance, but most cleaning businesses don’t need commercial property coverage. At Insurance Canopy, we skip the BOPs and focus on delivering the essential coverage you need without the unnecessary extras.
Do I need Umbrella Insurance for my cleaning business?
Umbrella Insurance boosts your General Liability (GL) coverage, often up to $4 million, for added protection. However, most cleaning businesses don’t require such high coverage. At Insurance Canopy, we keep things straight forward and don’t offer Umbrella Insurance, ensuring you get the essential coverage without the extra frills.
Our team is always ready to help answer your questions. Smile included.
Want to talk to a real person? We do that too.
Monday to Friday, 8 am – 8 pm EST
se habla español
Sweep Away Stress With Our Cleaning Business Insurance
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