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Cleaning Business Insurance

Updated 10:50 AM EST, Tue December 11, 2018

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General Liability Insurance for Cleaning Service

General liability insurance helps protect your business in the event of property damage or bodily injury claims. It also helps protect your business from any personal or advertising injury claims that result.
 
Your general liability insurance policy is sometimes referred to as commercial general liability insurance or business liability insurance. As a cleaning service business, it’s essential to have this coverage.
 
Your cleaning service business will likely take you to a variety of locations. All of which, can expose you to liability risks. Because your business is offsite, consider coverage for damage to other people’s property.
 
At The Hartford, our general liability insurance helps protect large and small cleaning businesses. Our policies help protect you from unexpected accidents or claims made against your business. This prevents you from having to exhaust your own time and resources.
 
To understand the importance of general liability insurance for cleaning services consider these scenarios:
 
  1. Say you own a carpet cleaning service. As you’re treating a carpet you accidently damage it. Your general liability insurance can help cover the damages to your customer’s property.
  2. Say you’ve been hired to clean a client’s house. As you’re cleaning you forget to warn your employees that the floors are wet. As a result, one of them slips, falls, and breaks their ankle. Your general liability insurance can help cover the costs associated with the injury.
  3. Say a client hires you for laundry services. After separating the laundry into lights and darks, you forgot a dark sock. It stains all of the light clothing. Your general liability insurance can help cover the costs of damaging your client’s property.

Who Needs Cleaning Insurance?

Most cleaning businesses will benefit from a general liability insurance policy. Examples of these businesses include:
 
  • Carpet cleaning. For example, say you accidently damage the carpets you’ve cleaned. Your general liability insurance can help cover the costs associated with the damages.
  • House cleaning. For example, say you accidently damage valuable art while cleaning a house. Your general liability insurance can help cover the costs associated with the damages.
  • Dry cleaning and laundry services. For example, say that while transporting a client’s dry cleaning you accidently spill your coffee on it. Your general liability insurance can help cover the costs of the damage.
  • Office cleaning. For example, say that while you’re cleaning a client’s office, your employee sustains a back injury. Your general liability insurance can help cover the costs associated with the injury.
  • Maid services. For example, say that while you are cleaning a home, you accidently knock over a valuable vase and break it. Your general liability insurance can help cover the costs associated with the damage.
  • Janitorial services. For example, say that you forget to put the “caution wet floor” sign up after mopping. As a result multiple people slip and get injured. Your general liability insurance can help cover the costs associated with the injuries.
In addition to your general liability insurance policy, you should also consider carrying a business owner’s insurance policy (BOP). At The Hartford, we offer a full BOP policy. We also offer workers' compensation insurance policies and commercial auto insurance policies for businesses. However, as you consider your insurance options, a general liability insurance policy is always a great place to start.
 

What is Covered by Cleaning Business Insurance?

Cleaning business insurance helps cover:
 
  • Bodily injury claims. For instance, say your company is hired to clean a house. During the cleaning process, one of your employee’s is injured. Your business cleaning insurance can help cover the costs associated with the injury.
  • Property damage claims. For example, say you’re hired to clean an office. While cleaning, you accidently drop your water bottle onto expensive computer equipment. The water causes extensive damage. Your cleaning business insurance can help cover the costs associated.
  • Personal and advertising injury claims. For example, say that while advertising your business you accidently commit copyright infringement. Your cleaning business insurance can help cover the costs associated.
As a business owner, you can also add additional insurance coverage such as:
 
Get general liability insurance and additional business insurance coverages on our website or call a representative with The Hartford at 1-855-829-1683.
 

Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.