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.
Who’s covered under a Cleaning Business Insurance policy?
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
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.
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.
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.
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.
Quick-thinking insurance for fast-moving businesses.
Simple.
Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.
Scalable.
Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.
Flexible.
Total Control. Seamless edits. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.
Featured in