Cleaning & janitorial businesses
Cleaning business insurance that covers every key you hold.
You work inside other people's homes and buildings — with their keys, their alarms, and their trust. We build coverage around that responsibility and explain every piece before you sign anything.
Independent agency. Licensed in all 50 states. No obligation, no insurance-speak.
What cleaning businesses actually need covered
House cleaning, janitorial contracts, carpet cleaning, pressure washing — the details differ, but almost every cleaning business starts with these four pieces.
General liability
The coverage most clients and property managers ask for before you start — for a scratched floor, a broken fixture, or a slip on a freshly mopped surface.
Janitorial bond
Reimburses a client if an employee steals from them. When you hold keys and alarm codes, many contracts require this bond alongside liability.
Equipment & supplies
Vacuums, buffers, carpet extractors, pressure washers, and the chemicals you haul between jobs. Covers theft from your vehicle and damage on site.
Workers comp & commercial auto
Once you have crews, most states require workers comp — and the vehicles your team drives to jobs need a business policy, not personal auto.
What drives your price
We won't put a fake number on this page. Cleaning business premiums swing widely, so here's what an underwriter actually looks at — and what we'll ask you about.
- Who you clean for — homes, offices, medical facilities, restaurants, or post-construction sites
- Whether you hold keys or access codes for clients (that's what drives the bond requirement)
- The number of employees or crews, and whether they're employees or subcontractors
- Whether you use industrial chemicals, pesticides, or high-pressure equipment
- The liability limits your commercial contracts and property managers require
- How many vehicles your business runs between jobs
Certificates before the contract starts, not after
Most cleaning business headaches aren't claims — they're paperwork. A property manager wants proof of insurance with specific limits before your crew gets keys. A new contract needs a certificate with their name on it by Friday. Because we're independent, we shop multiple carriers for the coverage that fits your work, and you get a real person who turns those requests around fast.
We work with local small-business associations, so we've seen the insurance requirements your clients hand out.
Ready to quote your cleaning business?
A few questions about who you clean for, your crews, and your equipment is all we need to start shopping carriers.