Business
Cleaning Business Insurance
Published September 24, 2026 · Last updated September 30, 2026
Advertiser disclosure: AssistQuote may be paid when you visit or do business with a partner through our links. The provider sets your price. How we make money
The short answer
Cleaning businesses pay about $59 a month for general liability insurance, based on Insureon's customers. It pays if you break something in a client's home or someone trips over your equipment.
Many clients also want you "bonded." A janitorial bond protects clients if a worker steals from them, and it costs about $9 a month on average.
Thimble is a participating provider that offers cleaning business insuranceSponsored online for small businesses.
- No phone number neededSee costs and options before you share any contact details.
- Real price ranges, with sourcesWe name where every number comes from and when it was published.
- You choose who to contactWe show options. You decide if, when and who to reach out to.
We never ask for a Social Security number, date of birth or documents.
What cleaning business insurance costs
Price range
Here's what cleaning businesses paid per month, on average:
| Policy | Per month | Per year |
|---|---|---|
| General liability | $59 | $705 |
| Janitorial bond | $9 | $112 |
| Business owner's policy (BOP) | $81 | $968 |
| Workers' comp | $114 | $1,364 |
| Commercial auto | $250 | $3,001 |
| Commercial umbrella | $76 | $906 |
Not a quote or an offer. Your price comes from the insurance company. Source: Insureon, 2026 (median cost for its cleaning business customers).
What moves the number
- Homes or offices. Commercial and specialty cleaning can cost more to cover.
- Your payroll and number of cleaners.
- The services you offer. Carpet, window, and post-construction cleaning carry different risks.
- Your limits and claims history.
Which policies cleaning businesses need
General liability. Pays if you damage a client's property or someone gets hurt because of your work. Think of knocking over a lamp, or a client slipping on a floor you just mopped. See general liability insurance.
Janitorial bond. Protects your clients if one of your workers steals money or property from them. Clients often ask for one before they let your team in. Depending on the bond type, you may have to pay the bond company back after a claim.
Workers' comp. Pays medical bills and lost wages if a cleaner gets hurt, like a back injury or a fall. Most states require it once you have employees. See workers' comp.
Commercial auto. Covers vehicles you use for work. A personal auto policy may not cover business use. See commercial auto insurance.
Business owner's policy (BOP). Bundles general liability with coverage for your supplies, equipment, and office. See business owner's policy.
What "bonded and insured" means
You'll see "bonded and insured" in a lot of cleaning ads. It usually means two things:
- Insured: the business has general liability insurance for accidents and damage.
- Bonded: the business has a janitorial bond that protects clients from theft.
Neither one covers everything. If a client asks, send a certificate of insurance and proof of your bond.
The gap many cleaners miss
Standard general liability policies may limit coverage in two common situations:
- Client property in your care. If you move or store a client's valuables while you work, damage to them may not be fully covered.
- Cleaning chemicals. Damage from chemicals, spills, or fumes may not be covered by a standard policy.
Ask about both before you buy, especially if you do deep cleaning, carpet work, or move-out cleans.
What to ask before you choose
- "Does this cover damage to client items I move or handle?"
- "Is damage from cleaning chemicals covered?"
- "What proof does the bond need before it pays a client's theft claim?"
- "Can I add a client as an additional insured?" Offices and property managers often require it.
- "Does it cover key or lockbox loss?" Some insurers may offer an add-on for rekeying a client's locks.
The catch: being "bonded" doesn't mean your business is covered for accidents. A bond protects clients from theft. You still need general liability for broken items and injuries.
Keep reading
Just starting out? See how to start an LLC and small business insurance cost. Need to pay a team? See payroll services. Taking cards? See merchant processing.
Insurance by trade: Contractor insurance · Builder's risk · Lawn care and landscaping · Handyman insurance · Food truck insurance · All business services
Why AssistQuote is different
On some websites
They ask who you are first
Some forms want your name and phone number before they show you anything useful. You may not know which companies will get it, or how many will call.
Here, you choose
Answer a few questions without giving your name, email or phone number. See prices, what to ask, and providers to explore. You choose who to contact and what to share with them.
- 1
Check local costs
See typical price ranges for your area and what moves the price up or down.
- 2
Tell us what you need
Answer a few questions about the work, not about who you are.
- 3
You decide what's next
Save or email your options, or visit a provider when you're ready.
Cost information is not a live rate, quote or offer. A provider shown here is not an endorsement. Each provider sets its own prices, privacy and contact rules.
Questions people ask
Ready to see cleaning business insurance options in your area?
Start with your ZIP code. You will see typical local costs and options to explore. No phone number, email or name needed to look.
You choose if, when and who to contact.
Related services
General Liability
Compare general liability options for your business.
LLC Insurance
See which policies an LLC needs, and what forming an LLC does not cover.
Small Business Insurance Cost
See typical monthly costs by coverage type and what moves your price.
Workers' Comp
Compare workers' compensation options for your employees.