Cleaning Business Insurance — spotless coverage.
House cleaners, janitorial crews, and maid services work inside clients’ most valuable spaces. We cover the “what if I break or damage something” risks — plus the liability and bonding clients ask for.
Coverage you probably need
General Liability
Covers injuries and property damage at a client’s home or business.
Care, Custody & Control
Helps when you damage property you’re actively working on.
Janitorial Bond
Protects clients against theft by an employee — often required to win accounts.
Workers Compensation
Required in most states once you have employees.
Commercial / Hired Auto
For driving between jobs in business or personal vehicles.
Tools & Equipment
Covers vacuums, machines, and supplies on the move.
What can go wrong
- A cleaner knocks over and breaks a client’s TV or vase.
- A client or employee slips on a wet floor.
- A theft allegation after a job.
- Lost keys to a client’s property.
- A chemical damages a floor or countertop.
What carriers usually ask
- Residential, commercial, or both — and your mix of accounts.
- Employees vs. subcontractors.
- Whether you hold client keys or alarm codes.
- Types of cleaning and chemicals used.
- Annual revenue and number of cleaners.
Common contract wording
Property managers and commercial clients usually require General Liability (commonly $1M/$2M), Additional Insured status, and frequently a Janitorial Bond, with a COI on file before you start.
State notes: Bonding expectations and workers’ comp rules vary by state. We match your coverage to what your accounts require.
Get covered for Cleaning Business Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentCleaning Business Insurance FAQs
What’s the difference between insurance and a bond?
Insurance covers accidents and damage you cause; a janitorial bond reimburses a client if an employee steals. Many clients want both.
Do I need coverage if it’s just me?
Yes — even solo cleaners face damage and injury claims, and most clients require a COI before you work.
Can you add a client as Additional Insured?
Yes, that’s a common request and usually quick to issue.
Are my supplies and machines covered?
Add Tools & Equipment coverage to protect them on the job and in transit.
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.