General Liability
Covers property damage at client locations — broken items, damaged surfaces, and third-party injury claims.
Cleaning Service Insurance for Residential & Commercial Cleaners
Cleaning businesses face liability every time their crew enters a client's property. We compare multiple carrier policies to protect your cleaning service from property damage and injury claims.
Coverage
What does Cleaning Services insurance cover?
The right insurance program for your Cleaning Services business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Workers' Compensation
Covers your cleaning staff for slip-and-fall injuries, chemical exposures, and repetitive strain at client sites.
Commercial Auto
Covers vehicles used to transport cleaning crews and supplies between client locations.
Business Owners' Policy
Bundles general liability and property coverage for cleaning businesses — an affordable option for smaller operations.
Commercial Property
Protects your cleaning equipment, chemicals, vacuum systems, and storage facility.
Who needs it
Who needs Cleaning Services insurance?
If you operate a Cleaning Services business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Residential house cleaning services — Work inside clients' homes daily, facing liability for broken items and property damage claims.
- Commercial and office janitorial companies — Operate across multiple client sites after hours, creating elevated theft, injury, and property damage risks.
- Post-construction cleaning businesses — Work in newly built environments with residual hazards, requiring coverage for debris-related injuries and damage.
- Specialty cleaning and restoration services — Handle sensitive biohazard, mold, or flood situations where mistakes can result in serious property claims.
Why Ashmont Insurance Agency
The smarter way to insure your Cleaning Services business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Cleaning Services business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Cleaning Services coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Cleaning Services insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Cleaning business insurance typically costs $500–$2,500 per year for general liability, depending on revenue, number of employees, and service type. Commercial cleaning companies with multiple crews may pay more. Ashmont Insurance Agency compares multiple carriers for competitive rates.
Many clients require cleaning businesses to be bonded (carry a surety bond) as protection against employee theft. While not insurance, bonding is often requested alongside general liability and is available through Ashmont Insurance Agency.
General liability for cleaning services covers accidental property damage at client sites (broken valuables, damaged flooring), bodily injury to third parties, and advertising injury claims. It does not cover intentional employee theft — a bond covers that.
Yes. Workers' compensation is required in nearly every state for businesses with employees. Cleaning workers face elevated injury risks from chemicals, slips on wet floors, and repetitive motion, making workers' comp essential.
Yes. Ashmont Insurance Agency lets you compare cleaning service insurance from multiple carriers online in minutes. We evaluate your business type, number of employees, and service area to find your most competitive coverage options.
Ready to protect your Cleaning Services business?
Compare Cleaning Services insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.