A small cleaning company pays roughly $500 to $3,000 a year for insurance in 2026. A solo house cleaner carrying general liability alone often runs $40 to $60 a month. Add a bond that clients ask for, a business owner's policy once you own equipment, and workers' comp for employees, and the number climbs from there. Your headcount, your services, and your claims history move it most.
We run a cleaning company in Tucson, so these are numbers we live with, not figures off a quote form. We are a web and marketing agency, not a broker — this page is the honest breakdown without a sales pitch for a policy.
The core policy. Covers damage you cause in a client's home — a broken vase, a scratched floor — and injuries to others. Almost every client who matters will ask if you carry it before they hand you a key.
Reimburses the client if an employee steals. It protects them, not you, and many homeowners and property managers will not hire an unbonded cleaner — so it is as much a sales tool as a safeguard.
Bundles general liability with coverage for your equipment and supplies. Cheaper than buying the parts separately once you have machines, a van setup, or stocked product to protect.
Required in most states once you have W-2 cleaners. Slips, falls, and chemical exposure are real, so the rate is meaningful. This is usually the line that grows fastest as you hire.
Carry what protects you and what clients require — and stop there. Hold off when:
The right coverage wins you better clients and protects the business. The wrong coverage just feeds the premium.
"Licensed, bonded, and insured" is a great line — on a website that homeowners can actually find. That is our half. We build a cleaning company website with 24/7 AI lead capture from $249/month, add the SEO engine and lead attribution at $597/month, and a full CRM and reputation system from $1,750/month. Month-to-month, and you own it.
See house cleaning SEO, cleaning marketing, or the AI receptionist that books while you are on a job.
We don't post stock testimonials. On a 15-minute call we screen-share the real dashboards behind our own businesses — live leads, rankings, and the exact page that produced each one. See the proof →
Not always by law, but most clients and every commercial contract require general liability, and most states require workers' comp once you employ cleaners. Practically, you cannot win serious clients without coverage.
No. A bond reimburses the client for employee theft; insurance covers damage and injury. Clients often ask for both. The good news is a janitorial bond is one of the cheaper lines you will carry.
Once a year, and any time your headcount or services change. Premiums drift up at renewal, and the cleaning insurance market is competitive enough that a fresh quote regularly pays for itself.
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