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Cleaning Insurance for Janitors + Cleaners

Cleaning insurance that works when you do.

Get an hourly, daily, or monthly insurance policy in 60 seconds. Get a Quote See covered activities
Get a Quote

Get an hourly, daily, or monthly
insurance policy in 60 seconds

Starting at just $5

On-demand Coverage

Coverage only for the hours and days you work—never overpay.

Instant Certificates

Get a Certificate of Insurance in your inbox—and your client’s—in seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Change It Anytime

Easily add crew and Additional Insureds, and adjust your policy in real time.
What's Covered

Thimble offers easy, affordable, and flexible insurance for cleaners and janitors.

Policies start at just $5/hr
"Thimble is such a great concept for small business owners like myself. At times I only need insurance for the day. Other times the entire month. So this is perfect!" Renee Y., Commercial Cleaning Services

Janitorial + Cleaner’s Insurance — Simplified.

Why do I need a janitorial & cleaning service insurance policy?

Whether you are a cleaner, janitor, or housekeeper, accommodating your clients’ needs (and schedules!) is part of the job. You need insurance coverage that’s there just when you need it, whether that’s five minutes before a last-minute booking or months in advance.

What Is Covered Under the Janitor Liability Insurance Policy?

The General Liability insurance arranged by Thimble is designed to respond to incidents involving bodily injury and property damage. General Liability Insurance also covers legal fees and Medical Coverage associated with the claim.

Bodily Injury
You are mopping the kitchen floor in a client’s office building. An employee enters the room and slips on the wet floor, sustaining a back injury.

3rd Party Property Damage
You are vacuuming a client’s dining room when the cord of the vacuum gets wrapped around an expensive dining chair, toppling the chair and snapping the oak frame.

Defense Costs
Two months after cleaning a client’s boat, he claims that the cleaning solution you used caused the boat’s hull to crack in the winter. He takes you to court over the matter. You’re 100% certain that the damage was not due to your work, so you defend yourself in court. Your General Liability Policy will cover the cost of your defense.

Medical Coverage
A client slips on a wet floor after you mopped the hallway. She injures her back and spends two days in the hospital. Your coverage with Thimble will cover her expenses.

How much does cleaning service insurance for janitors + cleaners cost?

General Liability insurance policies for janitors and cleaners start at $5/hour with $1 million in coverage and $0 deductible.

Add as many Additional Insureds as you’d like for free.

Get a Quote

Our affordable liability insurance policies for janitors and cleaners are possible because they are based on the length of your coverage, whether for an hour, a day, a month, or longer. This flexibility allows you to purchase coverage exactly when and for how long you need it, making it one of the most affordable options on the market for on-demand janitorial and cleaner’s insurance.

How quickly will I get a Certificate of Insurance?

Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.

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

Who is covered under the cleaning business insurance policy?

Small business insurance from Thimble is customized to meet the needs of cleaning professionals like you. We cover the following professions and activities:

Does my cleaning insurance coverage include myself as the business owner and any employees?

Your General Liability cleaning insurance covers accidents that result in bodily injury or property damage to a third party, such as a client. With Thimble, you can add your employees as crew members to the policy so that their actions are also covered.

Can I get same-day cleaning & janitorial 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 (or right now!).

Does the liability insurance include workers’ compensation?

No, Thimble’s General Liability insurance for cleaners does not include worker’s compensation. If you would like to protect your employees from injury on the job, you should take out a separate worker’s compensation policy.

Have questions? Visit our FAQs

Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • Car / Boat / Vehicle Washing or Detailing
  • Housekeepers
  • Janitorial Services including Carpet and Window Cleaning
  • Office Cleaning
  • Pressure Washing

Optional Add-Ons

  • Exterior Painting
  • Floor Waxing
  • HVAC
  • Plastering
  • Plumbing (other than a leaky faucet or toilet)
  • Snow / Ice Removal

Excluded Activities

  • Inspectors
  • Floor waxing during business hours or in commercial buildings with heavy foot traffic(malls, grocery / convenience / drug stores, hospitals, airports)
  • Performing Work over Three Stories in Height(30 Feet)

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details