Insurance might not be the most exciting “must-have” when it comes to your cleaning business, and it can be complex. You want to know you’re getting the coverage your business needs, not paying for coverage you don’t need, and you need this all from a company that offers affordable payment options as well as a fast and fair claims process.
We’ve tried to cover all these bases and more — see why so many cleaning businesses choose Insurance Canopy to handle their insurance needs.
1. Tailored Coverage for Cleaning Businesses
Insurance Canopy provides flexible cleaning business insurance solutions that address the specific risks of the cleaning industry. Instead of a one-size-fits-all approach, here you’ll get policies tailored to safeguard your business, career, and reputation.
Cleaning Businesses We Cover
We cover a broad range of cleaning businesses, from one-stop shops for residential and commercial cleaning to specialized services. Check out how our cleaning business policies are designed to fit the specific needs of your industry and type of business:
2. Affordable Protection Without Compromise
Our cleaning business insurance cost starts at just $39 per month or $435 per year. For comparison, the national average is approximately $520 per year — nearly 20% more expensive than Insurance Canopy’s base rate, making it one of the most affordable options available without cutting corners!
See how we stack up against the competition:
Insurance Company | Lowest Cost |
Insurance Canopy | $39 per month |
Next | $41.67 per month |
Hiscox | $41.67 per month |
Thimble | $50 per month |
*Based on competitor research done in January 2025. Prices are subject to change.
Coverage Options [+ Their Costs]
Whatever your cleaning business needs, we’ve got you covered!
- Every cleaning business needs general liability coverage
General liability is the base coverage every business needs (and you may even be required to provide proof of coverage to land client work).
It protects you from third-party claims, such as property damage, bodily injury, or even legal expenses if a client decides to sue. For example, if you accidentally knock over a vase or someone trips on your cleaning supplies, you could be held responsible.
Our lowest price: $430 / year
- You need tools and equipment coverage to protect your cleaning gear and supplies from damage or theft. This includes things like carpet cleaners or pressure washers as well as business equipment like your laptop or payment processing equipment.
Tools and equipment coverage, also known as inland marine, can repair or replace the items you depend on so you can keep your business running smoothly. For instance, if your equipment is stolen during a job, this coverage can save the day.
Our lowest price: $26 / year
- You need a janitorial service bond if you or your employees work in client homes or offices.
Janitorial service bonds reimburse your clients for losses related to employee theft, giving them peace of mind and earning their trust. For example, if an employee is accused of stealing something from a client’s premises while on the job, this bond compensates them quickly to protect your reputation.
Our lowest price: $131 / year
- You often are required to add additional insureds to your policy if you work with commercial clients or landlords who require proof of insurance. Being an additional insured on your policy extends its protections to them while you’re working on their property.
For example, a large office building might ask to be an additional insured on your policy so that if a third party slips on your freshly mopped floor, sustains an injury, and sues both you and the building’s owner or property manager, your policy can cover their liability as well as yours.
Our lowest price: $10 / year / AI
- You need cyber liability coverage if you collect or store sensitive customer information (like client contact info, property access codes, or credit card details) online.
Cyber liability coverage helps cover costs related to data breaches, including client notifications, recovery expenses, and legal fees. For instance, a data breach could compromise your client list and lead to expensive legal claims.
Our lowest price: $70 / year
- You need workers compensation coverage if you have employees.
Workers compensation covers medical bills, lost wages, and rehabilitation costs for employees hurt on the job, keeping your team protected. For example, if a team member gets injured while lifting heavy equipment or handling cleaning chemicals, they may need medical attention and time off work.
Workers comp costs are based on several factors, including the number of employees, the type of work they perform, and the level of risk associated with their jobs.
- You need commercial auto coverage if you have vehicles you use for work, like transporting supplies or driving to client locations.
Commercial auto coverage protects your business vehicles, covers medical expenses, and shields you from liability claims related to work-related accidents. For example, if you get into an accident in your work van during work time, standard auto insurance won’t cover the damage.
Our lowest price: Coming soon!
3. Get Covered in Minutes
Getting insured shouldn’t be complicated; and with us, it isn’t.
- Complete your application in minutes: Just fill out your online application form to get started!
- Receive instant quote and coverage: See your options and secure your policy right away.
- Flexible payment options: Pay annually to save or choose low-cost monthly payments that work best for your budget.
- Access and manage your policy online: Need to make changes? Update details? Download your Certificate of Insurance. It’s all at your fingertips, 24/7.
- File claims with ease: Handle claims with confidence, backed by our responsive support team.
4. Dedicated 5-Star, US-Based Customer Support
We support our customers every step of the way. Whether you’re purchasing a policy, filing a claim, or updating coverage, our team is here to help!
- Policy assistance: Need help choosing the right coverage? Licensed, non-commissed, US-based agents* are ready to guide you through the options tailored to your cleaning business.
- Filing claims made simple: Accidents happen, but filing a claim shouldn’t add to the stress. Our claims process is straightforward, with agents available to answer your questions and assist you at every step.
- Ongoing support: Have questions about policy renewals or adjustments? Our team provides clear, reliable answers and ensures you’re always covered for new challenges.
- Resources at your fingertips: Access FAQs, educational blogs, and policy details anytime through our online platform, so you’re never left in the dark.
*Assistance available in Spanish and English
5. Insurance That Grows Alongside Your Business
Your business isn’t static; your insurance shouldn’t be either. As you expand your services or add employees, we make it easy to customize your policy to meet your changing needs.
- Flexible policy options: If you’re adding services like window cleaning or expanding into commercial contracts, we’ll ensure you have the right coverage in place.
- Adding employees made simple: Bringing on new team members? We’ll adjust your policy so your growing team stays protected.
- Scalable coverage: From startups to established cleaning companies, our policies are designed to scale with you, providing the right level of coverage at every stage.
- Contract requirements: Winning a new contract or partnership? We’ll ensure your policy aligns with specific insurance requirements.
Common Risks Covered by Cleaning Business Insurance and Bonding
Cleaning businesses claims show a range of risks — but with the right coverage, you’re prepared for just about anything.
1. Accidental property damage
Cleaning businesses often work in environments filled with fragile or expensive items where a single mistake can result in costly damage.
- Using the wrong cleaning product on delicate surfaces, like hardwood floors or granite countertops, can cause permanent damage
- Over-scrubbing or pressure washing can lead to chipped paint or scratched glass
- Knocking over a valuable item, like a piece of art or electronics, could result in hefty replacement costs
Example: A pressure-washing business accidentally caused water damage to a customer’s garage interior. The repair bill totaled $6,500, but their insurance covered the cost.
2. Slips, trips, and falls
Wet floors and cleaning tools left in pathways create hazards for others that can result in injury claims or lawsuits.
- Clients slipping on freshly mopped floors in homes or offices
- Employees slipping and falling down the stairs while carrying supplies
- Delivery personnel or a passerby tripping over your equipment
Example: A janitorial service mopped a floor in a high-traffic area but failed to put up a “Wet Floor” sign. A client slipped, resulting in a $10,000 settlement for medical expenses and damages.
3. Employee-related risks
It doesn’t matter if you manage a small team or a larger crew; employees can present risks to your business.
- Theft of client property, even accidental, can lead to trust issues or legal claims
- Employee injuries like back strains from lifting heavy equipment or repetitive stress injuries from cleaning motions can require costly medical care
- Mistakes during cleaning, like using the wrong chemical, can cause further damage or health risks for clients
Example: An employee of a maid service was accused of stealing jewelry from a client’s bedroom. A janitorial service bond helped cover the client’s claim while protecting the business’s reputation.
4. Chemical and equipment hazards
Cleaning professionals use powerful chemicals and specialized equipment that come with their own risks.
- Harsh cleaning solutions can cause skin burns, eye injuries, or respiratory issues for workers
- Misusing pressure washers or other tools can lead to injuries or accidental property damage
- Chemical spills can damage carpets, upholstery, or even flooring
Example: A carpet cleaning company spilled their cleaning solution in a customer’s home, which caused $2,000 worth of damage to a high-end carpet. Their policy covered the cost of the replacement.
5. Cybersecurity threats
Modern cleaning businesses often store sensitive client data online, including payment details, addresses, and security codes. Cyberattacks can compromise this information.
- Phishing scams targeting your email accounts or payment systems
- Ransomware attacks freezing access to your client database
- Data breaches exposing client information, leading to liability claims
Example: A cleaning company’s system was hacked, exposing client payment details. Their cyber liability insurance covered the costs of notifying clients and recovering data.
Why Insurance Canopy is the Smartest Choice for Your Cleaning Business
Insurance Canopy is the go-to choice for cleaning businesses seeking affordable, comprehensive, and flexible coverage.
| Feature | Insurance Canopy | Next | Hiscox | Thimble |
| Affordable price | $39 per month | $41.67 per month | $41.67 per month | $50 per month |
| Coverage options | General liability Add-ons:
| General liability Add-ons:
| General liability Add-ons:
| General liability Add-ons:
|
| Ease of application | Quick online application & instant quotes | Get a quote online | Get a quote online | Online application & instant quotes |
| Customer support | Monday to Friday, 8 am to 8 pm ET | 24/7 AI support, human support Monday to Friday, 8 am to 5 pm CT | Monday to Friday, 7 am to 10 pm ET | Via email / ticket request form |
| Flexible coverage | Flexible and scalable | Flexible | Flexible | Flexible |
| Auto-renewal | Online auto-renewal | CS will contact you | Online renewal | N/A |
*based on competitor research done in January 2025. Prices are subject to change.
FAQs About Insurance Canopy’s Cleaning Business Insurance
Is Cleaning Insurance from Insurance Canopy available in my state?
Yes! Insurance Canopy’s cleaning business insurance is offered nationwide, with the exception of New York and Missouri. Simply apply online to see your coverage options
Can I customize my coverage as my business grows?
Whether you’re adding new services or expanding your team, it’s easy to customize your coverage as your business grows. If you have questions or need assistance, we’ll be happy to help ensure your policy fits your needs.
How quickly can I get insured?
You can get insured in minutes with Insurance Canopy. Our online process is fast and straightforward, allowing you to choose and secure your coverage immediately.
What should I do if I need to update my coverage or policy?
If you need to make changes to your policy, simply log into your account and update your details. Our customer support team is also available if you need assistance.
How do I renew my policy?
Renewing your policy is effortless! Simply log into your dashboard and turn on auto-renewal through your user settings to ensure you’re always covered without the hassle.
Can I add additional insureds to my policy?
Yes! If you’re working with commercial clients or contractors who require proof of insurance, you can easily add additional insureds to your policy.
Secure Your Cleaning Business in Minutes
With a wide range of options, low costs, and unbeatable customer support, Insurance Canopy makes it easy for you to secure the protection you need to keep your business running smoothly. Get insured today!
