Cleaning Business Insurance

1. While most states don’t require you to have a trade license, professional cleaners, maids, and housekeepers are generally licensed and bonded to instill confidence in their clients. Additionally, some locations require you to carry some liability insurance before issuing a license.
2. Property owners may require you to show a proof of insurance or bond before hiring you.
3. Liability insurance gives you a layer of defense against claims such as those for bodily injury or property damage
4. Financial peace of mind.
5. If you use your own equipment, or transport equipment to multiple locations, you will want to protect your equipment against theft, damage, or loss with additional equipment insurance.

• General liability coverage: You have a $2,000,000 general aggregate, and $1,000,000 limit for each occurrence. This means that if one of your clients files a claim, you can be covered for up to $1,000,000 per occurrence or $2,000,000 aggregate.
• Products & Completed Operations Aggregate: This is the maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, what’s not included in this policy is products that are sold, or distributed.
• Damages to Premises Rented: This applies to damage to premises rented to the insured and to damage regardless of cause to premises occupied by the insured for seven days or less.
• Personal and Advertising Injury Coverage: This includes coverage for claims of false arrest, detention or imprisonment, malicious prosecution, oral or written material which damages someone’s reputation, and violations of the right to privacy. It also provides coverage for claims of false advertising or for stealing someone else’s idea, logo, or other intellectual property.

There are endless claims that you could face as a housekeeper or cleaning professional, but some common claims are slip-and-fall accidents, corrosive materials spilling and causing stains, and damage to a client’s home or possessions. Accidents happen, and when they do, you’ll be glad that you have insurance.

Cleaning business insurance from Insurance Canopy starts at $26.67 per month, although the total monthly cost varies depending on your specific situation and the amount of coverage you require. Some of the factors that will influence the cost of your policy are the size of your business, annual employee payroll (including owner), desired coverage amounts and limits, and the state where the business is located.

There are several factors that can potentially affect your policy price. This includes any endorsements you add, the number of employees you have, the number of additional insureds added to your policy, if you elect to include cyber coverage or tools and equipment coverage, and others. Cyber coverage is an additional $99 per year, each additional insured is $50, and the tools and equipment coverage depends on your occurrence and annual limit selection. All of this information is available online for you to see while you are filling out your application. You can speak with one of our licensed agents with any questions you have about these options, before adding them to your policy.

Insurance Canopy offers general and professional liability insurance with the option to add needed endorsements and additional insureds at a competitive price. You can purchase a policy online in 10 minutes or less and have the option of paying for it in one annual payment or breaking it down into monthly payments. We make it easy for you to sign up through Facebook or Google and also offer the option to set up an account with your email address. If you have any questions, you can chat with one of our online agents or give us a call.

Yes. You set the effective date of your policy when you are filing out the simple online application. Coverage for your business can begin today, as soon as your purchase is completed. Also, all your policy documents will be available to you for download from your online account immediately after purchase.

Yes. You may cancel your policy at any time, but there is no money back guarantee on months that you have already paid for.

For many service industries, housekeeping included, bonding is not always mandated in your contract. However to provide you the best coverage, Insurance Canopy does offer bonding options to compliment your insurance policy. Our trusted partner offers a $5,000 limit or $10,000 limit, you can select the bond that is best for your cleaning business.

Bonding can be purchased in your client dashboard, after the purchase of your insurance policy. Scroll down and select which limit, fill out the checkout page, and have instant coverage for your cleaning insurance and bond. If you have questions about our janitorial bond option, please reach out to our customer service team.

Learn more about bonds

If you are interested in workers compensation or commercial auto insurance, you will need to call one of our licensed insurance agents to request an insurance quote. Call today 844-520-6993 to reach out and get a customized quote for your business.

Purchase Policy Today

Filling out an application is easy and only takes 10 minutes. The best part is that you don’t need to request a cleaning business insurance quote. Here is a list of things you’ll need to provide when filling out an application to get insured:

• Personal information (name, address, business information)
• Knowledge of previous insurance claim history
• Details for Additional Insureds, tenants or landlords that will be added.
• Payment information

Purchase Policy Today

Yes, Insurance Canopy offers cleaning bonds! You can now easily purchase bonding after you complete your cleaning insurance policy purchase. When you log in to your customer dashboard, you can edit your policy options and choose an affordable bonding policy for your cleaning business.

Learn more about bonds

We offer 2 janitorial bond limits, both with affordable annual pricing! Choose the right limit to cover your business needs. Get a $10,000 bond from $181 / year or select a $5,000 Bond from $134 / year. These can be found in your customer dashboard after you purchase your general liability policy.

Learn more about bonds