How Much Does Cleaning Business Insurance Cost?

Cleaning business insurance gives businesses financial protection against diverse liability, for instance, a client who slips and is injured on a slippery floor or if a worker is sickened due to exposure to chemicals at the workplace. What does it cost?

Insurance for business owners cleaning companies can range from $96 to $114 a month Based on quote information from Insureon. But the amount you end up paying could vary widely based on factors such as the insurance company you select and the types of coverage you require, as well as what cleaning solutions you offer and the coverage limits you have set.

Here’s a more detailed look at the typical cleaning business insurance cost from different insurers and the elements they typically consider when calculating the costs.

Average Cost of Cleaning Business Insurance

Cleaning business insurance rates vary dramatically from one insurance company to another. Here are the average costs of the top 11 insurers according to information from Insureon, the leading market for commercial Insurance.

Company Average General Liability Quoted Premium Average BOP Quoted Premium


* The above statements are based upon typical coverage levels of $1 million per incident and $2 million in aggregate.

When comparing cleaning business insurance quotes, you must know that not all companies offer the same coverage or advantages. While one company might provide an affordable price, it might exclude certain types of coverage. Check the fine print to learn what’s included.

Do you want to determine the best rate for your specific needs? Compare cleaning insurance quotes 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’ comp policies.

General Liability

General liability insurance will help you cover expenses if your cleaning company is found to be liable to third parties for personal injury, bodily injury, or advertising harm.

The most significant factors that affect the price in a GL policy are:

  • Industry Insurers assign you a general liability class code based on your company’s work and location.
  • The physical location of business If you run your business on a commercial site, insurance companies will want to know the dimensions as well as its condition and the amount of pedestrian traffic it receives. Higher-end buildings that receive higher foot traffic are more costly to insure. The cost could increase if the property’s condition poses risks (e.g., an older structure that doesn’t comply with the code).
  • Services offered: Your services could make your company more risky so that insurance companies may inquire 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 looks at your company’s annual revenues. More revenue typically indicates more work and, therefore, higher risk. Insurance companies may also consider the number of employees you employ and the amount you pay on your payroll.
  • Experience The amount of experience of your company and its owners could be assessed. Experienced workers may be rewarded with lower prices.
  • Insurance companies may review your claims history to determine the probability of future claims. They may ask whether your business was affected by any loss or lawsuit in the past. They may also ask about the extent to which your business insurance was canceled or not renewed recently due to factors like non-payment.
  • Deductibles The deductibles of your policy also impact premiums. By choosing a higher deductible, you are likely to lower your premium.
  • A range of limits backs limits General liability insurance policies. The higher the boundaries are, the more policy costs.


A business owner’s Insurance (BOP) combines general liability insurance with commercial property insurance. This covers damage to the building you lease or own and the properties within it if the damage was caused by a covered risk such as theft, fire, or ruptured pipes.

The cost of commercial property insurance in your BOP will typically depend on a variety of factors, such as:

  • Dimension of the construction: The more extensive your structure, the more costly it will be to fix or replace it if it suffers a total loss. This is why larger homes are more expensive to cover.
  • Value of your company properties: Your business property inside the structure will be considered in your expenses since the policy will cover damage to property and loss.
  • Method of valuing your property Insurance companies may provide you with compensation according to the actual amount (ACV), the replacement cost, and the fair market value for your company’s property. Replacement cost policies are generally more expensive because they replace the item with a different one instead of compensating you for the depreciated cash value of the article, as with ACV insurance.
  • Location, The place of your property can also play a role. For instance, areas that are more susceptible to fires, crime, and other catastrophes will be deemed to have a higher risk.
  • Deductible: The deductible you pick will typically influence the cost of your Insurance. The higher the deductible, the lower your 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 cost of Insurance will be contingent on elements like where you are located in your company and the number of employees you’re paying, the amount of your salary, your claim history, and the work your employees are required to perform. 

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 vary widely from one company from one provider to the other. You will get the best overall price if you shop around with several insurers.
  • Choose essential coverage More coverage that you purchase, the higher price you’ll pay. Analyze your company’s needs to determine which types of coverage are most valuable and essential. For instance, you may prefer to begin with general liability insurance and move to BOP coverage later. BOP policy in the future.
  • Reduce coverage limits Limits on higher coverage generally have a higher cost. If you require an affordable premium, consider reducing specific ranges’ limits.
  • The higher your deductible Consider increasing your deductible because it can reduce the cost of your Insurance.
  • Ask about discounts for prevention Insurers might offer lower rates when you take specific measures like installing fire suppression and security devices.


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