Generally, states don’t require businesses to carry general liability insurance. However, most cleaning businesses can benefit from a general liability insurance policy, because bodily injuries and property damage can happen during normal business operations.
Some clients may also require you to carry liability insurance before agreeing to hire your small business. You can give them a certificate of insurance to prove you have coverage.
Some types of cleaning businesses that can benefit from liability insurance include:
- Carpet cleaning
- House cleaning
- Dry cleaning
- Office cleaning
- Maid services
- Janitorial services
On average, The Hartford’s cleaning business customers paid about $1,553 annually, or about $129 per month, for a Business Owner’s Policy (BOP).**
Keep in mind that insurance costs for cleaning companies will vary. That’s because each small business is unique. Insurers look at different factors when determining the costs of business insurance for cleaning companies, such as:
- Type of business
- Claims history
- Number of employees
- Location
The best way to find out your cleaning company’s business insurance cost is to
get a quote.
General liability insurance won’t cover every kind of claim that your cleaning business faces. You’ll likely need to get other types of insurance coverage to give yourself well-rounded protection.
Be aware that if your cleaning business has employees, most states require
workers’ compensation insurance. This insurance gives your workers benefits to help them recover from a work-related injury or illness.
Additional insurance coverages you can get to help protect your cleaning business include:
- Commercial auto insurance to help protect you and your employees on the road if you drive business vehicles.
- Umbrella insurance to increase the coverage limits of certain liability policies, which can help cover expensive claims and legal fees.
