Cleaning business insurance cost

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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. 

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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

General Liability Insurance

General liability insurance or “CGL” provides coverage against third-party claims for property damage, bodily injury, and personal and advertising injury. That means the everyday accidents that can happen on the job: slip and falls, flying tools, or spilling coffee on a customer’s laptop—you get the idea. CGL is one of the most basic types of insurance for small businesses.

Business Equipment Protection

Business Equipment Protection

Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)

Commercial Property Insurance

Commercial Property Insurance

Commercial property insurance covers costs as a result of direct physical loss or damage to a building or its contents in situations like a fire or windstorm. Even your accounts receivable can be protected by commercial property coverage.

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 liability insurance will be sent to your inbox. You can also access your COI from our mobile app.