Best Insurance Companies for a Cleaning Business

Cleaning business insurance provides the business owner financial protection from diverse risks, such as a customer who slips and is injured on a wet floor or an employee who gets sick because of exposure to chemicals in the workplace. But how much will it cost?

The typical insurance cost for business owners cleaning firms can range from $96 to $114 a month Based on quote information from Insureon. But the amount you pay will vary significantly based on the type of Insurance you select, the types of coverage you require, what cleaning solutions you offer, and your coverage limits.

Here’s a more detailed review of the typical cleaning company’s insurance costs from a variety of insurers as well as the elements they typically take into consideration when calculating the rates.

Average Cost of Cleaning Business Insurance

Cleaning business insurance rates vary dramatically from one insurance company to another. According to information from Insureon, the leading market for commercial Insurance, here are the average costs from the top insurers.

CompanyAverage General Liability Quoted PremiumAverage BOP Quoted Premium

Contractors Bonding and Insurance Company (RLI) $1,190 $1,239

Liberty Mutual Insurance Company $1,870 $1,591

Hiscox $1,021 $509

ACUITY, A Mutual Insurance Company $662 $974

Rockingham Casualty Company $2,199 N/A

The Hartford $1,835 $1,943

Clear Spring Insurance Company $1,042 N/A

Nationwide Mutual Insurance Company $651 $317

United States Liability Insurance Group $1,528 $942

Travelers $1,721 $1,792

Average $1,372 $1,163

* The above quotations are based upon typical coverage levels of $1 million for each occurrence and $2 million in aggregate.

When comparing cleaning business insurance estimates, it’s essential to remember that different companies provide different coverage amounts or advantages. While one company might offer an affordable price, it might exclude certain specific ranges. Make sure you read the fine print to learn what’s included.

Do you want to determine the best rate for your particular circumstance? Compare the quotes for cleaning business insurance from Insurance.

Factors Influencing Cost

There are numerous aspects to consider when determining the price of general liability insurance BOPs, general liability insurance, and workers’ compensation policies.

General Liability

General liability insurance will assist in covering the costs of cleaning if your business is held liable by third parties for personal injury, bodily injury, or even advertising damage.

The significant factors that influence the price in determining the cost of GL policy are:

  • Industry Insurers assign your company a general liability code based on the kind of work you do and the place it’s located.
  • The physical location of business: If you run your business from a commercial area, insurers will need to know the size, its condition, and the amount of pedestrian traffic it receives. The more significant buildings with higher foot traffic are more costly to insure. Also, your cost may increase if your property’s situation poses dangers (e.g., an older structure that doesn’t conform to standards).
  • Services offered: The services you offer can make your company more risky so that insurers might ask questions about your offerings. For example, Nationwide asks if you provide floor waxing, remediation work, restoration work, work in high-traffic properties, or work in hospitals.
  • Size of business Insurers usually takes into account your business’s annual income. Higher revenue levels typically indicate more work and, therefore, higher risk. Insurance companies may also consider the number of employees you employ and the amount you spend on your payroll.
  • Experience The amount of experience and expertise of your company and its owners could be considered. The more knowledge you have can result in lower prices.
  • Insurance companies may examine your claims history to determine the probability of future claims. They might inquire whether your business was involved in any losses or lawsuits in the past or whether your insurance policy was canceled or not renewed recently due to insufficient funds.
  • Deductibles The deductibles of your policy also impact premiums. By choosing a higher deductible, you can lower your cost.
  • A range of limits backs limits General liability policies. The greater your limits, the greater your policy costs.


A business owner’s Insurance (BOP) combines general liability and commercial property insurance. This covers damage to the building you lease or own and property within it if the injury resulted from a covered danger such as theft, fire, or ruptured pipes.

The cost of commercial property insurance in your BOP is often contingent on a variety of factors, such as:

  • The size of your structure: The more extensive your system is, the more expensive it will cost to fix or replace it when a total loss damages it. In turn, more significant buildings are more costly to cover.
  • The value of your business real estate: The value of your business property in the building will play a role in your expenses since the insurance policy protects against property damage and loss.
  • Method of valuing your property Insurance companies may offer compensation according to the absolute amount (ACV) or the replacement cost and the fair value you can get for your company’s property. Replacement cost policies are generally more expensive since they replace the insured item with a different one instead of compensating you for the depreciated cash value, as in An ACV plan.
  • Location Location: The place of your property can also play a role. For instance, areas more vulnerable to fires, crime, and other disasters will be deemed more risky.
  • Deductible: The deductible you pick will typically influence the cost of your Insurance. A higher deductible usually means lower rates.

Workers’ Compensation

If your employees suffer from work-related injuries or illnesses, workers’ compensation assists in covering the expenses that are covered, including medical and lost wages. The insurance cost will be contingent on aspects like your location for the company, the number of employees you’re paying, the amount of your salary, your claim history, and the work your employees do.

Top Companies for Cleaning Business Insurance

  • Contractors Bonding and Insurance Company (RLI)
  • Liberty Mutual Insurance Company
  • Hiscox
  • AmTrust
  • ACUITY, A Mutual Insurance Company
  • Rockingham Casualty Company
  • The Hartford
  • Clear Spring Insurance Company
  • Nationwide Mutual Insurance Company
  • United States Liability Insurance Group
  • Travelers

How to Save Money on Cleaning Business Insurance

  • Search for a better deal: Costs differ significantly from one insurance company to another. You can get the most affordable overall value if you shop with several insurers.
  • Select essential coverage More coverage that you purchase, the more you will pay. Analyze the requirements of your business to determine which types of coverage are the most valuable and essential. For instance, you may begin with general liability insurance and then move to BOP coverage later. BOP policy in the future.
  • Coverage limits can be reduced. Higher limits of coverage typically will cost you more. If you require lower premiums, think about lowering the limits. We independently evaluate the recommended products and services. We could receive a fee if you visit the links we offer. Find out more.
  • Offering a clean and tidy home for your clients is what you excel at. However, if you wish for the cleaning service you run to grow, you’ll require general liability insurance to protect against losing your business financials. Certain kinds of insurance might be necessary for the cleaning business. For instance, cleaning staff who travel between customers may require an insurance policy for commercial vehicles, and workers’ compensation must cover companies with a set number of employees. However, choosing the right company and then getting insurance can be challenging.
  • To assist you in choosing the most suitable cleaners insurance provider for your company, We compared 11 insurance companies according to the following factors such as the percentage of the company’s quotations through Insureon (50%-60 percent, depending on the type of policy) and the average premium quoted (10%-20 percent), National Association of Insurance Commissioners (NAIC) complaint index (10%-20 percent) as well as AM Best rating (10%). While the most suitable choice for you is based on your specific coverage requirements, the time you’ve been in business, and other aspects, this guide is the foundation for you to investigate.

4 Best Insurance Companies for a Cleaning Business in 2023

    • Best for General Liability and Workers’ Compensation: Acuity
    • Best for Business Owner’s Policies and Workers’ Compensation: Nationwide
    • Suitable for Financial Stability: Travelers
    • Best for Low Average Premiums and High Quote Rates: Hiscox
  • Coverage of certain.
  • You can increase your deduction. Consider raising your deductible since it can lower the cost of your premium.
  • Ask about discounts for prevention Insurers might offer lower rates if you take specific steps, such as installing fire protection and security equipment.


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