Whether you’re cleaning residential homes, offices, or commercial spaces, having the right insurance is crucial to protect your business from unexpected events.
Cleaners insurance covers potential risks that can arise, such as accidents, damage to property, or injuries to employees or clients. Understanding the different types of insurance available can help safeguard your business and ensure you’re covered in case of mishaps.
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What is Cleaners Insurance?
Cleaners insurance is a type of business insurance designed specifically for cleaning businesses. It provides protection against risks such as property damage, injury, or lawsuits related to cleaning services. This insurance helps cover legal expenses, repair costs, and other unforeseen expenses related to accidents that may occur during cleaning appointments.
Who Needs Cleaners Insurance?
Whether you own your cleaning business, clean part-time or do occasional cleaning jobs, having cleaners insurance is not only smart, but may also be required in order to obtain clients. The following are different types of cleaners that should purchase cleaning insurance:
- Residential Cleaners – If you’re cleaning homes, you need insurance to protect against potential damage to a client’s property or accidents in their home.
- Commercial Cleaners – Cleaning offices, schools, and large commercial spaces requires liability protection due to the higher risks of property damage or injury.
- Window Cleaners – Cleaning windows, especially on higher floors, involves a higher risk of accidents.
- Specialty Cleaners – Carpet cleaning, post-construction cleaning, or industrial cleaning may require specialized insurance to cover unique risks.
- Freelance or Solo Cleaners – Even if you’re working solo, insurance is still important to protect against claims, injury and equipment damage.
What Types of Insurance Do Cleaners Need?
From accidental property damage to employee injuries and everything in between, you face a variety of risks as a professional cleaner. To protect your business, having the right insurance is essential. Here are the most important types of insurance policies for cleaners:
General Liability Insurance
General Liability insurance covers third-party injuries and property damage. For example, say you are cleaning a client’s home and you accidentally damaged a mirror or knocked over a vase, you will be covered under general liability. Although having general liability insurance is not a requirement, not having it can make it difficult to secure clients and create a costly outcome in the long run.
Workers’ Compensation Insurance
If you own a business and hire workers, it is required for you to have Worker’s Compensation insurance, except in Texas. Worker’s Compensation covers medical expenses and lost wages in the event of an employee being injured on the job. This type of insurance also protects your business from employee lawsuits related to workplace injuries.
Professional Liability Insurance (Errors & Omissions Insurance)
Professional Liability insurance, also known as Errors and Omissions Insurance, covers claims of mistakes, negligence, or failure to meet cleaning service expectations. If a client chooses to sue you on grounds of shoddy cleaning having Errors and Omissions insurance protects against legal costs.
Tools and Equipment Insurance
Tools and equipment insurance covers damage, theft, or loss to cleaning equipment such as vacuums, power washers, and steam cleaners. Additionally, having equipment insurance helps you repair or replace expensive tools that are essential to your business.
Commercial Auto Insurance
If you use a vehicle for business purposes (transporting equipment or traveling to job sites), your personal auto insurance will not cover accidents, vehicle damage, and liability for injuries involving your business vehicle. This is legally required if using vehicles for business operations.
Bonding Insurance
Bonding insurance (or a janitorial bond for cleaning businesses) is a type of surety bond that protects your clients in case an employee commits theft or fraud while working in their home or office.
Health Insurance
While covering your equipment and vehicle is important, protecting your health is just as crucial. As a self-employed cleaner, an individual health insurance plan can provide essential coverage, while a group policy is a great option if you have employees. Most health insurance plans help cover expenses like doctor visits, prescriptions, hospital stays, preventive care, and more, ensuring you stay healthy and able to work effectively.
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How Much Does Cleaner Insurance Cost?
The cost of cleaners’ insurance varies depending on factors like the type of cleaning business (residential, commercial, or specialized cleaning), location, coverage limits, and the number of employees. The following are average costs per year for the most common types of cleaner insurance:
- General Liability Insurance: $300–$1,500 per year.
- Workers’ Compensation Insurance: $1,000–$3,000 per year per employee (varies by state).
- Business Owner’s Policy (BOP): $500–$3,500 per year (includes general liability and property insurance).
- Janitorial Bond (for employee theft protection): $100–$600 per year.
- Commercial Auto Insurance: $1,200–$2,500 per year per vehicle.
FAQs
Do independent cleaners need insurance?
Yes! Even self-employed cleaners can face liability claims. General liability insurance and a janitorial bond help protect independent cleaners from lawsuits and client disputes.
Is bonding insurance required for cleaning businesses?
It’s not always legally required, but may be necessary to secure contracts with clients, especially for commercial cleaning jobs. Bonding insurance provides peace of mind and financial protection against employee theft.
What does bonding insurance cover?
Bonding insurance (janitorial bond) covers theft of money, property, or valuables by employees while on the job. It does not cover accidental damage or poor service.
Get Protected Today with EZ.Insure!
There is no question that cleaning businesses are in high demand. Protecting your business and assets is essential to ensure business success and longevity.
At EZ.Insure, we can help you navigate the complex world of finding the right insurance. Our highly-trained agents can give you quick, side-by-side quotes and find a tailored policy for your business needs!
To get started, simply click the button below or give us a call at 844-770-0876.
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