Cleaning business insurance cost

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Coverage

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General Liability
Equipment Coverage
$1,000,000 Limit
Crew
Pause Policy
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If you’re like most cleaning businesses, you work primarily at your customers’ locations. Because of this, you face a large number of liability risks. Before you can deliver the sparkle your customers pay you for, it’s important to take care of your own house with Cleaning Business Insurance. Before you build insurance into your budget, you may want to know how much Cleaning Business Insurance costs.

Cleaning Business Insurance protects your company’s budget from big messes by providing coverage in case something goes wrong, like damage to a customer’s property, an accident that leads to an injury, or even damage to your equipment. We’ll explain what coverages you need, and how much they cost so that a mishap on the job doesn’t put a nasty stain on your income.

How much does Cleaning Business Insurance cost?

Not to make sweeping generalizations, but most insurance companies force you into annual or monthly insurance contracts. We do things a little differently. With Thimble, you can get an insurance policy by the job, month, or year, depending on what makes the most sense for your business. Because of this flexibility, you can choose coverage depending on how much liability insurance costs for your cleaning business.

Here are the average costs of insurance for cleaning businesses with Thimble:

Hourly$9
Daily$47
Weekly$53
Monthly$50

 

For an additional cost, we also offer a Business Owners Policy (BOP), which makes sense for many cleaning businesses because it combines general liability insurance with commercial property insurance in a single affordable and convenient package.

What factors influence Cleaning Business Insurance cost?

Not all cleaning businesses are the same, so costs can vary. Factors like the type of cleaning services you offer and the number of customers you have can influence the cost of your specific policy. Here are some additional variables we consider when determining your cost.

Business location

The geographical location of your company will impact your premium. For example, if you work in a busy city, you may pay more than you would in a more rural area since the risk of accidents and losses is higher in dense metropolitan areas.

Policy length

The length of your policy will influence your cost. Sometimes paying by the hour makes sense, but if you have multiple jobs per month, it may be more economical to buy a monthly policy.

Crew size

The more cleaners you have working for you, the higher the risk that they may cause an accident and your business may be held liable. As such, you’ll pay more to insure a larger crew than you will for a one or two-person operation.

Amount of coverage needed

The amount of coverage you select will affect how much you pay for it. To put it simply, the higher the coverage limit, the higher the premium. With Thimble, you have policy limit choices.

Coverage add-ons

It may make sense for your cleaning business to add additional coverages to your policy. Business Equipment Protection, for example,  can save you the out-of-pocket costs associated with replacing your equipment in the event of theft or loss — and it starts at just $6 per month. 

What does Cleaning Business Insurance cover?

You wouldn’t clean half a house, polish half of a hallway, or detail half a vehicle. In the same way, we offer broad coverage options so your business gets full protection.

  • General liability insurance protects your company against third-party claims of property damage, bodily injury, and personal and advertising injury. For example, it can protect you if a customer trips over your vacuum cord and breaks their wrist. Or if you damage your customer’s antique clock while dusting, general liability insurance will help cover the costs of its repair or replacement. It will even provide your legal defense if you get sued.
  • Business equipment protection provides coverage for your owned equipment and the equipment under your care, such as a steam cleaner you rent for the day. If that super-charged vacuum is critical to your business (oh, the dog hair it’s seen), then it’s best to make sure you’re covered in case it gets stolen or damaged.
  • Commercial property insurance protects your owned building as well as any equipment you keep within it or within 100 feet of it. This means that if a fire breaks out in your office, commercial property insurance can help cover the damages. At Thimble, commercial property insurance is available through a Business Owners Policy (BOP). A BOP is like a platinum cleaning package for insurance because it also includes general liability insurance. That way you’re covered for third-party liability claims and first-party risks like loss or damage to your own property, and even coverage for lost income and expenses.

Thimble: preventing insurance messes from day one

Our Cleaning Business Insurance policies prevent accidents from smudging your finances. Whether you’re a housekeeper or a window cleaner, a car detailer or a carpet cleaner, our Cleaning Business Insurance policies will help you keep your cleaning business safe and spotless without breaking the bank. It’s quick-thinking insurance for fast-moving businesses. Click “Get a Quote” or download the mobile app, answer a quick set of questions, and get covered within minutes.

Cleaning business insurance cost FAQs

Can I get cleaning business insurance for an hour, today?

Yes! Thimble offers Cleaning Business Insurance policies by the job, month, or year. We’ll help you get back to work before the other guys even call you back.

What other types of insurance should cleaning businesses have?

It’s a good idea to be covered on all fronts. In addition to Cleaning Business Insurance, consider commercial auto insurance for vehicles owned by your company or hired and non-owned auto insurance if you use your personal or a rented vehicle for work-related transportation (available with a BOP). Another important coverage area is Business Equipment Protection, which covers your equipment from loss or damage.

Does Cleaning Business Insurance cover my employees if they get injured on the job?

No, it only covers claims that come from third parties, like customers. To cover your employees for work-related injuries and illnesses, you need workers’ comp insurance, which is required by most states if you have employees.

Who needs Cleaning Business Insurance?

Cleaning business insurance isn’t only important for house cleaners and housekeepers. In fact, we recommend it for the following professionals: boat washing and detailing; car/vehicle washing or detailing; carpet cleaners; janitors and office cleaners; pressure washers; and window cleaners.

How can I prove I have insurance right away?

When you buy a policy with Thimble, we make it easy to access proof of insurance in just minutes. Just click “Get a Quote,” and answer a few questions. Once you purchase your policy, a Certificate of Insurance (COI) will be sent to your inbox. You can also access your COI from our mobile app.