Cleaning Business Insurance and Bonding: Best Options, How to Get Coverage

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What is covered by cleaning business insurance?
- Employees getting hurt or sick on the job.
- Employees accidentally breaking or damaging client possessions.
- Employees stealing from clients.
- Company vehicles getting involved in traffic accidents.
Insurance type | What it covers | Who needs it |
---|---|---|
Pays out to clients, vendors and other third parties who suffer property damage or bodily injury caused by your company. | All businesses should have general liability insurance. | |
Covers medical bills for employees who get injured or get sick while on the job. | Business owners in most states are required to have workers' comp for employees, and some may also need to provide coverage for contractors. | |
Covers repairs or replacements for your business building, equipment and other assets after a fire and smoke, certain natural disasters or burglary. | Cleaning businesses that provide employees with valuable equipment or have office or retail space. | |
Repays clients who suffer property loss as a result of theft or negligence by your employees. | Your clients may ask you to purchase fidelity bonds, which are also called employee dishonesty bonds. | |
Pays for property repairs or replacement as well as medical expenses when company vehicles are involved in a road accident. | Businesses that have company vehicles or whose employees drive to job sites. | |
Replaces employee wages, lost revenue and other bills associated with being unable to operate your business for reasons covered under the policy, such as a fire. | Businesses that would be unable to operate if their property was damaged or destroyed. |
What type of bond do I need for a cleaning service business?
How much does cleaning business insurance cost?
Where can you get cleaning business insurance?
Next: Best for getting general liability insurance fast
- You can add tools and equipment insurance, which protects the tools your employees use, to a general liability insurance policy.
- Next includes errors and omissions insurance, which can protect you if a client accuses you of negligence, alongside general liability insurance.
- Next does not sell janitorial service bonds.
Nationwide: Best for cleaning businesses that need fidelity bonds
- Nationwide’s business service bonds — which are a type of fidelity bond — can pay out if one of your employees is accused of stealing from a client of your cleaning business.
- If your cleaning business uses valuable equipment, you can add equipment breakdown coverage to a Nationwide BOP.
- You can get a quote but not buy coverage online.
- You'll have to call your agent or Nationwide to get a copy of your certificate of insurance and to add an additional insured.
Huckleberry: Best for buying cleaning business insurance online
- Huckleberry offers a price estimate: Cleaning businesses have paid $62 per month and up for worker’s comp coverage and $55 and up for a business owner’s policy, the company says.
- You can access your certificate of insurance online for free.
- Huckleberry does not sell janitorial service bonds.
- Huckleberry sells insurance policies underwritten by other companies, so you’ll have to file claims with a different insurance company.
Hiscox: Best for buying commercial crime insurance online
- Hiscox sells commercial crime insurance, which will pay out to cover theft of client property worth up to $5,000, as an add-on to a BOP.
- You can buy a BOP online.
- Hiscox doesn’t sell its own commercial auto insurance; instead, you’ll be redirected to online marketplace CyberPolicy to get quotes from other providers.
Article sources
Methodology
Business insurance ratings methodology
NerdWallet’s business insurance ratings reward companies that offer small-business owners reliability and ease of use. Ratings are based on weighted averages of scores in several categories, including financial strength, customer complaint data, shopping experience and customer service. Learn more about how we rate small-business insurance companies.
These ratings are a guide, but insurance policy details and prices can vary widely from business to business and provider to provider. We encourage you to shop around and compare several insurance quotes.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2021.
To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
Our star ratings consider ratios for both general liability insurance and commercial property insurance. When an insurer sells policies that are underwritten by several different insurance companies, we consider the NAIC complaint ratios of all the underwriters.