What is cleaning business insurance?
Cleaning business insurance is a specialized policy designed for commercial and residential cleaning professionals and businesses to protect them against the specific risks and liabilities of working on a jobsite. You know your customers expect you to ensure their properties are squeaky clean. They rely upon you to deliver cost-effective, detail-oriented service. But sometimes, mistakes can happen, and when they do, if one of your clients launches a third-party lawsuit against you, it can be financially ruinous regardless of its outcome.
What does it cover?
A comprehensive insurance policy for professional cleaners may include several types of coverages, including:
- Commercial General Liability (CGL) Insurance: CGL insurance is a broad type of coverage that provides liability protection against general business risks. Also known as slip-and-fall insurance, it covers you from claims against third-party bodily injuries or property damage. For example, while cleaning your client’s home, you accidentally knocked over an expensive art painting off the wall and ended up being sued over damages. Often, CGL insurance is required by a contract with a client that hires you for your cleaning services. It is generally categorized as all-risks coverage unless specific types of risks are excluded.
- Professional Liability Insurance: Professional liability insurance provides coverage for claims against negligence, errors or failure to deliver service. If a client was not satisfied with the quality of cleaning services that you provided, then your business may be held liable.
- Pollution Liability Insurance: Pollution liability insurance, or environmental insurance, covers the cost of damages to a customer’s property or to their health caused by pollution or toxic substances you use. For instance, a chemical cleansing agent you use on a property can trigger losses or damages that could include third-party liability claims for bodily injury, property damage, and clean-up costs.
- Tools and Equipment Insurance: This type of coverage may pay to replace or repair your lost, stolen, or damaged equipment and tools that you regularly use for cleaning, such as:
- Mop and buckets
- Brooms and dusters
- Steam cleaner
- Floor buffer and waxer
Anything valued at less than $1,500 is considered a tool, whereas anything above that amount is considered equipment.
How much does it cost?
The cost of insurance for a small cleaning business working on residential projects may start at around $450 for a general liability insurance policy with a $2 million coverage limit.
There are several factors insurance companies take into consideration when determining a price for an insurance policy package for professional cleaners, including:
- Number of employees
- The types of services you provide (commercial or residential)
- Your years of experience
- Your business’s location
- The tools and equipment you own and use
- Your annual and projected revenue
Do professional cleaners need insurance?
Whether you offer residential or commercial cleaning services, there may be a risk of third-party injuries and property damage. Having adequate insurance coverage will provide you with financial protection should you or your employees be named in a lawsuit. The types of professional cleaners who need coverage include:
- Commercial business and office cleaners
- Residential and house cleaning professionals and companies
- Janitors and janitorial service companies
- Carpet and rug care specialists
Common claims scenarios
Frequently asked questions
Other contractor trades we can provide coverage for: