Essential Guide to Cleaning Liability Insurance in 2023

Essential Guide to Cleaning Liability Insurance in 2023


As a cleaning business owner, it is crucial to protect your company from potential financial risks. One way to do this is by having the right insurance coverage in place, specifically cleaning liability insurance. In this comprehensive guide, we will explore the importance of cleaning liability insurance, the types of coverage available, and the top insurance companies for cleaning businesses in 2023. Whether you are a sole proprietor or have a team of employees, this guide will provide valuable insights to help you make an informed decision regarding your insurance needs.

1. The Importance of Cleaning Liability Insurance

Cleaning liability insurance is a vital safeguard for cleaning businesses, protecting them from various risks and liabilities that may arise during their operations. Whether you provide residential cleaning services or commercial janitorial services, accidents and unforeseen events can happen, leading to property damage, bodily injuries, or legal claims. Without adequate insurance coverage, these incidents can have severe financial consequences for your business, potentially leading to bankruptcy or closure.

2. Types of Cleaning Liability Insurance Coverage

Cleaning liability insurance typically encompasses several types of coverage to provide comprehensive protection. Understanding these coverages will help you determine the specific insurance needs for your cleaning business.

General Liability Insurance:

General liability insurance covers third-party claims for bodily injury, property damage, or personal injury caused by your cleaning business. It can help cover legal expenses, medical costs, and property repairs or replacements resulting from covered incidents.

Workers’ Compensation Insurance:

Workers’ compensation insurance is essential if you have employees. It provides coverage for medical expenses, lost wages, and rehabilitation costs if an employee sustains work-related injuries or illnesses. It also protects your business from potential lawsuits related to workplace injuries.

Commercial Auto Insurance:

If your cleaning business involves driving between client locations, commercial auto insurance is necessary. It covers damages to your company vehicles, medical expenses for injured parties, and legal costs in the event of an accident.

Inland Marine Insurance:

Inland marine insurance protects your cleaning equipment and tools while they are in transit or temporarily stored off-site. This coverage is particularly important if you transport equipment to client locations or store them at a different location.

Business Owner’s Policy (BOP):

A business owner’s policy combines general liability insurance, property insurance, and often includes business interruption coverage. It provides comprehensive protection for small to mid-sized cleaning businesses at a more affordable premium compared to purchasing each coverage individually.

Essential Guide to Cleaning Liability Insurance in 2023

3. Top Insurance Companies for Cleaning Businesses in 2023

Choosing the right insurance company is crucial to ensure reliable coverage and exceptional customer service. Here are the top insurance companies for cleaning businesses in 2023:

Acuity: Best for General Liability and Workers’ Compensation

Acuity is a highly-rated insurance company known for its low average premiums and positive customer satisfaction. They offer a range of cleaning insurance coverages, including general liability, workers’ compensation, commercial auto, inland marine, and business owner’s policies. Acuity also provides valuable resources, such as loss control services and a nurse helpline, to help businesses prevent losses and handle workplace injuries effectively.

Nationwide: Best for Business Owner’s Policies and Workers’ Compensation

Nationwide offers comprehensive business owner’s policies and workers’ compensation coverage for cleaning businesses. They have the lowest average premium for their BOPs and provide valuable add-ons like nurse triage and loss control services. Nationwide has a strong financial strength rating and ranks high in customer satisfaction. However, it’s worth noting that some customer reviews on third-party sites have been mixed.

Travelers: Good for Financial Stability

Travelers is a reputable insurance company with a superior financial strength rating. They offer a comprehensive BOP that includes coverage for employee theft. While their average premiums may be slightly higher than some competitors, their claims-paying ability and financial stability make them a reliable choice for cleaning businesses. Travelers also provides various coverage options, including general liability, commercial auto, workers’ compensation, and employment practices liability insurance.

Hiscox: Best for Low Premiums and High Quotes

Hiscox stands out for its low average premiums and high quote rates across different insurance types. They offer commercial auto and workers’ compensation coverage, along with affordable business owner’s policies. Hiscox provides monthly payment options at no extra cost, making it easier for cleaning businesses to manage their cash flow. However, it’s important to note that Hiscox has a higher NAIC complaint index for property and liability insurance, although there are no complaints related to workers’ compensation coverage.

4. Factors to Consider When Choosing Cleaning Liability Insurance

When selecting cleaning liability insurance for your business, several factors should be taken into account:

Coverage Needs and Requirements: Assess your specific coverage needs based on the nature of your cleaning business, the types of clients you serve, and any legal requirements or contracts that may dictate the necessary insurance coverage.

Premiums and Quotes: Compare the average premiums and quotes offered by different insurance companies. Keep in mind that the costs may vary based on factors such as the size of your business, number of employees, and coverage limits.

Financial Strength and Customer Satisfaction: Research the financial strength ratings of insurance companies, such as those provided by AM Best, to ensure they have the resources to pay claims. Additionally, consider customer satisfaction ratings and reviews to gauge the quality of service provided.

Additional Services and Benefits: Look for insurance companies that offer value-added services like loss control resources, nurse helplines, or specialized coverages tailored to the cleaning industry. These additional services can contribute to the overall value and support you receive as a policyholder.


1. Is cleaning liability insurance required for all cleaning businesses? Cleaning liability insurance requirements may vary depending on your location and the type of cleaning services you provide. It’s essential to check local regulations, client contracts, and industry associations to determine the specific insurance requirements for your business.

2. What is the cost of cleaning liability insurance? The cost of cleaning liability insurance depends on various factors, including the size of your business, the number of employees, the coverage limits, and the specific insurance company you choose. It’s recommended to obtain quotes from multiple insurers to compare prices and coverage options.

3. What does general liability insurance for cleaning businesses cover? General liability insurance typically covers third-party bodily injury, property damage, and advertising injury claims. For cleaning businesses, it can provide coverage for accidents or damages that occur while cleaning a client’s property.

4. Do I need workers’ compensation insurance for my cleaning business? The need for workers’ compensation insurance depends on your business structure and the number of employees you have. In many jurisdictions, workers’ compensation coverage is mandatory for businesses with employees. It provides benefits to employees who are injured or become ill while on the job.

5. Can I customize my cleaning liability insurance coverage? Yes, many insurance companies offer customizable coverage options to cater to the specific needs of cleaning businesses. You can often add endorsements or riders to your policy to enhance coverage or include additional protections tailored to your business’s requirements.


In conclusion, cleaning liability insurance is an essential investment for any cleaning business. It provides crucial protection against potential risks, ensuring the longevity and financial stability of your company. By understanding the types of coverage available and evaluating the top insurance companies in the market, you can make an informed decision that meets your business’s specific needs. Remember to consider factors such as coverage requirements, premiums, financial strength, and customer satisfaction when selecting an insurance provider. With the right cleaning liability insurance in place, you can focus on delivering excellent cleaning services while having peace of mind knowing your business is protected.

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