Cleaning Services Insurance
Coverage recommendations, carrier options, and cost estimates for cleaning services businesses — what you need, what it costs, and how to get covered.
Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. For Cleaning Services businesses, key exposures include high slip-and-fall exposure. Common claims include client property damage (broken item, chemical stain).
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Cleaning Services businesses, key exposures include high slip-and-fall exposure. Common claims include client property damage (broken item, chemical stain). Agent note: Commercial clients often require $1M/$2M GL limits and additional insured status
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Cleaning Services businesses, key exposures include employee injury from chemicals. Common claims include employee slip-and-fall. Agent note: Workers comp classification varies significantly between residential and commercial janitorial
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Commercial Auto
recommendedLiability, physical damage, medical payments, and uninsured motorist coverage for vehicles used in business operations.
$1M combined single limit is standard; $500K minimum for most commercial operations
$1,200 - $5,000/year per vehicle for light commercial; $5,000 - $15,000+ per vehicle for heavy trucks
Janitorial Bond
situationalJanitorial Bond provides specialized coverage tailored to the risks Cleaning Services businesses face.
Varies by carrier and state
Varies by business size and risk profile
Get covered fast
Kinro is an AI-assisted small-business brokerage that compares 50+ carriers for fast general liability, BOP, and workers' comp — built for simpler service and trade businesses.
Risk Profile
Physical
Liability
Professional
Property
Top Risks
- High slip-and-fall exposure
- Client property damage risk
- Employee injury from chemicals
- Theft from client premises
- After-hours access to client facilities
Carriers That Write Cleaning Services
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$5,000 - $25,000+ for businesses with $200K - $2M revenue
Key Pricing Factors
- Annual revenue ($200K - $2M is typical for this class)
- Employee count (5-40 is typical)
- Number of employees
- Residential vs commercial clients
- Types of chemicals used
- Employee background check practices
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our cleaning services insurance cost page.