Cleaning Business Insurance

Get an insurance policy by the hour, day, or month in 60 seconds.

What does Cleaning Insurance cover?

Whether you are a house cleaner, janitor, or auto detailer, risk comes with running a cleaning business. However, with business insurance, you can turn the perils into possibilities.

Thimble’s general liability insurance for cleaning companies helps entrepreneurs protect and grow their businesses. It’s fast, flexible, and affordable, allowing you to put your hard-earned cash to work. As the most basic coverage for any type of small business, general liability covers the financial consequences of third-party bodily injury, property damage, and personal and advertising injury. Why? Because liability insurance for cleaning businesses covers some of the most common types of risks you run when you’re working on clients’ property. Let’s break each down:

Bodily injury

You’re working an all-day job at a client’s home. When you leave for your lunch break, you leave your cleaning supplies on the floor. The client’s toddler is running through the house, trips on the mop handle, and falls and breaks a tooth. Now your client expects you to pay for the ER visit and dental repair.

Property damage

You’re dusting a bookshelf in a client’s living room. When you sneeze from all that dust, you knock over a vase and it breaks. Now the client wants reimbursement.

Personal and advertising injury

You’re trying to market your services to win more clients, so you post a picture of the inside of a client’s sparkling clean home without their permission. Now the client’s suing you for invasion of privacy, and you’ll need to lawyer up to defend your business.

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How much does Cleaning Business Insurance cost?

The cost of your Cleaning Business Insurance depends on a few factors including where you work, your coverage limit, the size of your team, and the length of your coverage. On average, Thimble’s General Liability Insurance for cleaners ranges from $6 per hour to $38 per month. Learn more about the factors that impact your cleaning business insurance cost.

Who’s covered under a Cleaning Business Insurance policy?

Cleaning Business Insurance from Thimble is customized to meet your needs. We cover the following professions and activities:

Not seeing your profession or activity? Search to get covered!

Quick thinking insurance for small businesses.

What other types of insurance do cleaning businesses need?

Getting general liability insurance is the best place to start for any cleaning business, because it covers your most common risks: bodily injury, property damage, and personal and advertising injury. But there are more steps you can take to make sure your risk profile is—wait for it—squeaky clean.

Here are some examples of other common types of cleaning company insurance.

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Workers’ Compensation

Workers’ compensation covers the costs related to your employees’ workplace injuries and illnesses, and it’s required in just about every state. Your team is your most valuable asset, so it’s crucial that you protect your business and team.

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Professional Liability Insurance

Professional liability insurance, also called errors & omissions (E&O) insurance, covers claims of financial loss as a result of providing—or failing to provide—professional services properly.

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Business Owners Policy

A business owners policy or “BOP” is all the coverage most small businesses need in one easy package with two main areas: commercial property insurance and general liability insurance.

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Why should I choose Thimble for my Cleaning Business Insurance?

With Thimble’s Cleaning Business Insurance, say goodbye to the confusing exclusions of traditional insurance policies.

Choose your coverage length. Purchase cleaning business insurance by the job, year, or month. It’s coverage that fits your cleaning schedule.
Get comprehensive coverage. From general liability insurance for cleaning businesses to cover customer injuries to Business Equipment Protection for your own stuff, you can get the full range of insurance your business really needs.
Build on your Cleaners Insurance over time. Thimble is totally scalable, so you can start as small as one job, grow into a full-fledged business with a team and property, and upgrade your insurance every step of the way. We won’t lock you into a policy with more than you actually need, no matter your size or stage of business.

How do I get commercial Cleaning Insurance?

Ready to get started?

Just click “Get a Quote” or download the Thimble app, answer a few questions, and we’ll generate an instant quote. Click to purchase and your policy and Certificate of Insurance (COI) will be sent to your inbox. We’ll send you as many COIs as you need, and when you need them, at no additional cost.

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Cleaning Business Insurance FAQs

Can I get same-day cleaning business insurance?

Yes, with Thimble you can get a quote in 60 seconds and be ready to go for your next job, even if it starts in an hour. Pay for small cleaning business insurance only when you’re working.

How fast can I get a Certificate of Insurance?

In minutes—seriously. We’ve taken the traditional insurance process and upgraded it for the 21st century. You can get your cleaning business insurance quote instantly. Once you purchase your policy, you’ll receive your Certificate of Insurance (COI) in your inbox. Download your copy to share with clients, and access it anytime from the Thimble App.

You can also add and modify your Additional Insureds as many times as you’d like, whenever you’d like, from the Thimble App.

You can access your Certificate of Insurance immediately after purchasing your policy, even if your policy covers a time period sometime in the future. That means you can use your Certificate of Insurance during the bidding process with larger clients, enabling you to win higher-paying jobs and grow your cleaning business.

Is Cleaning Insurance required by law?

In many cases, no; while general liability insurance might not be required by state or federal law in order to operate a cleaning business, if you want the job as a pro cleaner, you’ll usually have to provide proof of insurance. We’ve also covered how it can be a huge financial protection and a sign of legitimacy for your company.

And while general liability may not be required by law, if you’ve got even a single employee, workers’ comp usually is! Always consult your state government’s latest guidelines on insurance for cleaning services.