Starting a cleaning business is exciting, especially with the industry projected to exceed $734 billion globally by 2032. But before you book that first job, it’s critical to have the right insurance in place. If you’re asking yourself, “Do I need insurance for a cleaning business?” — the answer is yes, absolutely. Not only does insurance protect you from the financial fallout of accidents and claims, but it also signals professionalism and reliability to potential clients.
Whether you’re just launching or getting ready to land your first commercial contract, understanding what insurance is needed for a cleaning business helps you avoid unnecessary risk and gain a competitive edge. With decades of experience in insuring cleaning operations across the country, Moody Clean Insurance offers deep insight into the coverages that matter most — and when to secure them.
What Insurance Is Needed for a Cleaning Business?
Before taking on clients or hiring that first employee, there are a few essential policies every cleaning business should have in place. These policies cover the most common risks you’ll face from day one.
General Liability Insurance (GL)
GL is the foundation of your cleaning insurance program. It covers claims of third-party bodily injury, property damage, and personal injury that can occur while you or your team are working. If a client alleges that you damaged their floors or someone slips on a wet surface you left behind, this policy may respond.
Business Property or Inland Marine
Whether you carry vacuums, carpet cleaners, or specialized restoration equipment, these tools are essential to your operation. Inland marine insurance protects gear in transit or on client sites, while business property covers items stored at your office.
Workers’ Compensation
Once you hire employees, most states legally require you to carry workers’ comp. It covers medical expenses and lost wages if a team member gets injured on the job. Something as simple as a strained back from lifting can turn into a costly claim without this policy.
Commercial Auto
If you or your staff drive as part of the job — whether in a company van or personal vehicle used for work — commercial auto coverage is essential. It includes liability protection and, depending on the policy, can extend to property damage or bodily injury resulting from accidents.
Optional But Important: What Else Should You Consider?
Once your cleaning business is up and running, you may need extra protection beyond the basics. These policies can offer added peace of mind and strengthen your reputation with clients.
Janitorial Bonds
These are not technically insurance but act like a financial guarantee. If a client alleges theft and you’re bonded, the surety company may reimburse them (up to the bond amount) and then seek reimbursement from you. Bonds help mitigate risk and build trust with residential and commercial clients, especially in competitive bids.
Umbrella Insurance
Think of umbrella insurance as an extra layer of protection. If a liability claim exceeds the limits of your GL or auto policy, your umbrella policy kicks in to cover the remainder. It’s a wise investment as your business and exposures grow.
Professional Liability Insurance
Also called errors and omissions (E&O), this coverage protects against claims of negligence, even if the mistake is unintentional. For example, if you use the wrong cleaning product and damage a client’s surfaces, this policy may help cover the cost of the error.
Insurance Tips for Cleaning Startups
Insurance decisions don’t end once your policy is active. Here are a few strategic tips to make sure your coverage continues to support your business goals as you grow.
- Don’t underinsure: Many commercial clients will require proof of insurance before awarding you a contract. Having comprehensive coverage from the outset can help you win business you might otherwise miss.
- Work with an agent who knows cleaning risks: Policies that look good on paper may leave gaps if your agent isn’t familiar with the industry. From proper vehicle classifications to limits that meet client requirements, industry experience matters.
- Bundle policies when possible: Combining general liability, property, and other coverages into a business owner’s policy (BOP) or customized package can lower premiums while simplifying your insurance program.
For more on how tailored protection makes a difference, see our article on why house cleaning businesses need specialized insurance.
Get the Right Insurance Before You Book That First Job
As you get started, the question becomes less “Do I need insurance for a cleaning business?” and more “What types of insurance will protect my business as it grows and takes on new risks?” Cleaning business insurance doesn’t just protect your gear and staff; it supports your growth by helping you meet client expectations and legal obligations. With the right policies in place, you can focus on what matters: delivering exceptional service.
Ready to build your startup insurance plan? Contact Moody Clean Insurance today for a free consultation. We’ll help you customize coverage that fits your business model, your budget, and your goals.
About Moody Clean Insurance
Helping one cleaning business started it all. Three decades later, Moody is one of the largest insurance providers to both independent and franchise cleaning businesses throughout the country. Put decades of experience to work for your cleaning operations. Regardless of size or cleaning specialty, we can help your cleaning business chart a strategic economical path for your risk management and insurance. Relationships all start with a first conversation. Reach out and let’s schedule a time to talk about protecting and growing your cleaning business.
