If you own a commercial cleaning company, insurance isn’t a nice-to-have — it’s a must. When your business operates in client buildings, offices, or industrial spaces, you’re exposed to a unique set of risks that can lead to costly claims or contract loss if you’re not properly protected. Understanding the basics of commercial cleaning business insurance is the first step toward building a stable, insurable operation.
Types of Insurance for Commercial Cleaning Companies
Whether you’re running a large crew or flying solo, the right policy will shield you from lawsuits, property damage, and client disputes — all of which are more common in this industry than many realize.
At a minimum, most states require some form of general liability and workers’ compensation if you have employees. But in reality, your clients are often the ones setting the bar. Many commercial contracts won’t even consider vendors without proof of insurance. In franchise systems, coverage limits and policy types are often mandated as part of the agreement.
General Liability Insurance
The backbone of most cleaning company policies, general liability covers claims related to bodily injury and property damage. Think slip-and-fall accidents or accidentally damaging a client’s marble floor with cleaning chemicals. One claim like that could cost thousands if you’re uninsured. With the right coverage, you can respond quickly, protect your client relationship, and stay in business.
Other Policies Cleaning Companies Should Consider
General liability is essential, but it’s only one piece of the puzzle. To really protect your business, you should also consider:
- Commercial auto insurance: If your team uses company vehicles to get to job sites, you’ll need a policy that covers both property damage and liability while in transit.
- Employee dishonesty bonds or crime coverage: These policies help protect your business from theft, fraud, or other dishonest acts by employees or subcontractors.
- Inland marine coverage: Don’t let the name fool you — this coverage isn’t for boats. It protects the expensive tools and equipment your team takes from job to job.
For more on how these policies and bonds work together, see our guide on bonds and insurance for your cleaning business.
How Much Does Commercial Cleaning Business Insurance Cost?
Insurance premiums vary, but they’re influenced by a few consistent factors: your business size, measured by payroll or number of employees, the types of services provided (e.g., carpet cleaning, floor waxing, medical facility cleaning), and your company’s past claims history.
By working with Moody Clean Insurance, you’ll get access to coverage tailored for commercial cleaning operations — franchise or independent. We understand the risks and are happy to review your contract insurance requirements to see if you are in compliance. We know how to keep costs competitive without sacrificing protection. Contact us to get a customized review and quote.
FAQ About Commercial Cleaning Business Insurance
Is commercial cleaning insurance required by law?
It depends on your location and business setup. Most states require workers’ compensation if you have employees and commercial auto insurance if you use company vehicles. General liability isn’t always mandated by law, but it’s often required by clients or contracts — especially in commercial settings.
What insurance do I need to get cleaning contracts?
Most commercial clients require at least general liability insurance and may also request bonding or proof of workers’ comp coverage.
Does insurance cover damages caused by employees?
Yes, general liability typically covers accidental property damage or bodily injury caused by employees during a job if the policy is put together correctly. However, if an employee steals from a client or commits intentional fraud, general liability insurance usually does not cover that. For added protection in those situations, many businesses carry employee dishonesty bonds or crime coverage.
Can I get coverage if I’m a solo cleaner or subcontractor?
Absolutely. Even one-person businesses need protection, and Moody Clean offers flexible options for solo operators.
About Moody Clean Insurance
One relationship with a cleaning franchisor started it all. Over the next 20 years, that one relationship has expanded and multiplied. Moody is now one of the largest providers of insurance to independent and franchise cleaning businesses throughout the country. Relationships start with a conversation, so let’s talk. We look forward to learning about your operations and sharing what we’ve learned through decades of protecting cleaning businesses like yours.
