Cleaning Business Insurance for Commercial & Residential Cleaners

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Cleaning insurance for residential and commercial cleaners

Whether you offer commercial cleaning services, clean office buildings, or clean residential houses, you need insurance to protect your business. Keeping your company reputation and insurance policy squeaky clean is essential for long-term success.

Business insurance for a cleaning company ensures protection from liabilities and threats. ThinkInsure will help you compare cleaning business insurance quotes. Based on your business operations, we’ll find you the lowest premiums and the best coverage. Start a quote online, or call us to compare your options.

Top things to know about cleaning business insurance

Cleaning business insurance is recommended for all cleaning companies from housing cleaning to large corporate cleaning.
You can customize your policy based on your cleaning company's size and coverage needs.
Insurance for cleaning companies can start at $500 for self-employed cleaners and go up from there.

What is cleaning business insurance?

Cleaning insurance policies are designed for companies and individuals in the cleaning, sanitization, and janitorial industry. Plans protect businesses from the inherent threats of offering cleaning services in a commercial or residential setting. Mistakes and accidents can happen. Cleaning insurance protects you and your business when the unforeseen happens.

Cleaning business insurance in Ontario is known by several names:

Janitorial insurance
Cleaners insurance
Commercial cleaning insurance

Regardless of how you refer to it, all policies refer to the same type of coverage.

Why do I need cleaning business insurance?

Things happen. When you run a business, even a cleaning company, there is always the risk of property damage, injuries to third parties and other threats.

For example, you could be cleaning the floors in an office building and forget to put up the wet floor sign, causing someone to slip and fall. Or, one of your employees could accidentally damage the floor or walls with your floor cleaning machine. You could also lose keys, have your equipment damaged or stolen, or face liability issues. There’s no shortage of potential threats to your company. Insurance protects you and your employees in these situations and many others.

Being a bonded and insured cleaning service also has business advantages. It can build trust and help you get new customers.

Types of commercial and residential cleaning companies that need insurance

All types of cleaning service providers can benefit from having insurance. We offer policies for all types of cleaners, including:

Window cleaning
Maid service
Industrial cleaning
Office building clearers
Floor cleaners
Residential cleaning services
Housekeeping services
Janitorial services
Carpet and rug cleaners
Pool cleaners
Industrial cleaning services
And many others

What does cleaners insurance cover?

Floor cleaning services with washing machine

Insurance for a cleaning business will cover you for many things. Here’s a list of coverage that is available to include in your cleaning insurance policy:

Cleaning liability insurance: Commercial general liability insurance provides you with protection if you are liable for damage or injury to others while cleaning.
Tools and equipment: This gives you coverage to repair or replace your cleaning tools if lost, damaged or stolen. This can include brooms, mops, vacuum cleaners, floor cleaners, cleaning chemicals, and other supplies.
Professional liability insurance: Have protection if you make errors, are negligent, or fail to deliver services as agreed. You will have coverage if there is a dispute about cleaning services provided and a customer takes legal action.
Pollution liability insurance: This covers damage to property or health issues at a customer's place of business due to cleaning chemicals.
Commercial auto insurance: Do you drive to your clients? Transport cleaning tools and equipment. You need a commercial auto plan for your cleaning business vehicles.
Commercial property insurance: Whether you have a storefront, warehouse, or even store your cleaning equipment in your garage at home, commercial property insurance will cover your business.
Business interruption insurance: A lot of things could happen that could interfere with your operations. Business interruption coverage protects your income stream if you temporarily halt operations due to an unforeseen event.
Lost key coverage: Keys are lost all the time. Get coverage to replace lost customer keys or keys used for your business.

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steve jonkhans

2024-09-26

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2024-09-24

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2024-09-24

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2024-09-23

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2024-09-19

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2024-09-18

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How to get cleaning insurance quotes

Getting a cleaning insurance quote for your business is quick and easy. Start your quote online and then connect with a Business insurance broker to find the best coverage and rates.

Enter your information

Provide some details about your company and requirements.

Compare quotes from the top providers

Choose from the best quotes from the top insurers in Canada.

Select the lowest rate and policy

Choose the best premium and get insured.

How much does cleaning business insurance cost?

Cleaning company insurance costs vary greatly based on companies' different coverage needs and risks. Prices for smaller cleaning businesses in the residential sector can start at $500 per year and go up from there. Speak with our business advisor to assess your cleaning business requirements.

What factors impact cleaning insurance rates?

Cleaning business insurance premiums are determined using a variety of factors. Here are the top considerations:

Business size and location
Number of employees
Annual revenue
Years of experience and cleaning services offered
Tools and equipment
Claims history

How can I reduce my cleaning business insurance premiums?

Managing expenses is key for a profitable company. There are some steps you can take to lower your cleaning business insurance:

Increase your deductible
Install security and safety measures to reduce risk
Avoid filing claims on small losses
Compare insurance quotes annually

Cleaning company insurance FAQs

Do you need insurance to start a cleaning business?

Even though insurance may not be legally required in your region, it's highly recommended that you have coverage when you start any cleaning business. All kinds of residential and commercial firms have risk - insurance mitigates it.

Do I need cleaning insurance if I’m self-employed?

Having insurance is even more important if you are self-employed. All it takes is a mistake on your part, and you could be liable and face legal consequences. Cleaning business insurance protects you and your financial well-being.

What insurance do I need for a small cleaning business?

There isn't a specific policy for smaller cleaning companies. Our team will assess your insurance needs and build you a policy based on those needs. We’ll add the coverages that make the most sense for you.

Do I need insurance to clean houses?

Whether you clean houses as a part-time gig or full-time, you are exposed to liability if you don't have proper insurance coverage. Cleaning houses may not seem like a dangerous business, but there are risks in every business, even if you only do it occasionally or as a side gig.

Are my cleaning tools and equipment covered?

Your tools and equipment may or may not be covered, depending on your insurance policy. If you are not sure, contact your insurer. If you don't have coverage, you can add tool and equipment coverage.

Get a cleaning business insurance quote

Comparing cleaning business insurance quotes is the best way to explore your options and find a plan that fits your budget. At ThinkInsure, we’ll help you assess business threats and design a mitigation plan. Get affordable rates from the top Canadian insurers and save more. Speak with us today.

Call 1-855-550-5515 or request a quote online.

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Cleaning Business Insurance

Save on personalized cleaning business insurance and protect your residential or commercial cleaning company.