Cleaning Business Insurance For Small Service Providers And Teams 
Is liability insurance required for a cleaning business?
Affordable Liability Insurance for Cleaning Businesses
Running a cleaning business means working in clients’ homes, offices, and commercial spaces, where accidents can happen. With cleaning business insurance, you’re protected from risks like property damage, bodily injury, or client claims. Whether you operate solo or manage a growing team, liability insurance for cleaning business helps protect your reputation and keep your operations running smoothly.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Reliable Coverage for Teams and Independent Pros
Every job site, client property, and cleaning project comes with risk. That’s why Gild Insurance’s liability insurance for cleaning businesses is built to protect your work, your team, and your reputation. Our affordable, flexible policies help cover third-party injuries, property damage, equipment loss, and service-related claims. Whether you handle residential cleanings, office contracts, or specialty services, we offer expert-backed coverage that supports your business today and grows with your client base. With Gild, dependable protection is always part of the job.
Key Cleaning Business Insurance Policies
If you run a cleaning company, the right cleaning business insurance is essential to protecting your operations, employees, property, and reputation. Here’s a breakdown of the most important insurance policies every cleaning business should consider:
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General Liability Insurance – Covers third-party property damage or bodily injury
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Business Owners Policy– General liability and business equipment coverage all in one.
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Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
- Cyber Liability Insurance – Safeguards against digital threats, ransomware, and data breaches.
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Commercial Auto – Covers accidents, injuries, and property damage involving company vehicle.
How Much Is Insurance For Cleaning Business?
Cleaning business insurance cost can vary, but generally, Gild Insurance customers’ policy coverages start at $500 annually.
Here are a few factors that influence cleaning business insurance cost:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find your cleaning business insurance cost is to get a free, online quote in minutes!
Why Liability Insurance For Cleaning Business?
Insurance for cleaning business provides essential protection by shielding your business from costly accidents and helping you build a trusted, professional reputation.
- Protect Your Business Assets: One major liability claim could lead to a costly lawsuit that threatens everything you’ve built. Insurance helps protect your finances and keeps your business running.
- Meet Client Requirements: Many commercial and government clients won’t hire you unless you have liability coverage. Having insurance ensures you can take on bigger jobs and more lucrative contracts.
- Stand Out From the Competition: Being insured shows clients you’re serious, professional, and prepared, helping you earn their trust and win more business.
- Protect Your Reputation: Showing that your business is insured gives clients confidence that you’re responsible and ready for anything, strengthening your reputation and credibility.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Insurance for Your Cleaning Business Today!
Your cleaning business is more than the services you provide. It is your livelihood and a trusted part of your clients’ daily lives. With Gild, you get more than a policy. You get a partner who understands service businesses and provides the tools and support you need to stay steady when the unexpected happens.
Frequently Asked Questions
In most states, general liability insurance is not legally required, but many clients and commercial contracts will not hire a cleaning business without proof of it. It’s considered essential for protecting your business from lawsuits and for meeting client expectations.
Carrying liability insurance shows professionalism and ensures you’re prepared for unexpected incidents.
What type of insurance does a cleaning business need?
Cleaning businesses face risks ranging from slip-and-fall accidents to damage to client property. Core coverages include:
- General Liability – protects against third-party injuries or property damage claims.
- Workers’ Compensation – required in most states if you have employees, covering work-related injuries or illnesses.
- Commercial Property Insurance – covers business-owned equipment and supplies.
- Business Owner’s Policy (BOP) – bundles general liability with property coverage at a lower rate.
How much does cleaning business insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does cleaning insurance cover employee theft or property damage?
Yes! When you have the right policies in place:
- Employee theft – Employee dishonesty coverage can help cover losses if a team member is accused of stealing from a client.
- Property damage – General liability insurance can step in if your business accidentally breaks, stains, or otherwise damages a client’s property while on the job.
Let's Get The Insurance Your Business Needs!
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