Pricing numbers are based on representative partner data for 2025-2026 general liability policies. Based on policies from Jan 1, 2025 through Aug 10, 2026.
GENERAL LIABILITY
Cleaning Company $53/month for general liability
WHY IT MATTERS
Why Cleaning Company need business insurance
Cleaning work puts employees, vehicles and customer property into everyday situations where injuries or damage can occur. A mix of coverages can address different risks instead of relying on one policy for everything.
SCENARIO 1
A customer slips on a wet floor
General liability insurance may help with covered medical expenses, legal defense costs and damages if your business is held responsible.
SCENARIO 2
An employee is injured while lifting equipment
Workers' compensation insurance may help with covered medical care and lost wages after a work-related injury, subject to the policy and applicable requirements.
SCENARIO 3
A company vehicle is in an accident
Commercial auto insurance may help address covered injuries or property damage arising from the use of a business vehicle.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Cleaning services performed
Routine janitorial work, exterior cleaning and specialized services can present different exposures. Higher-risk tasks may increase the quote.
Payroll and team size
A larger workforce or higher payroll can increase employee exposure and affect workers' compensation pricing.
Work volume
More jobs and customer visits create more opportunities for an incident, which may increase the cost of coverage.
Customer locations
The types of buildings entered, the number of locations served and access to occupied spaces can affect the risk reviewed by an insurer.
Vehicles and drivers
More business vehicles, frequent travel or unfavorable driving records may raise commercial auto pricing.
Limits, deductibles and claims history
Higher limits may cost more, while a higher deductible may lower a quote but leaves the business responsible for more of a covered loss.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Rates and requirements vary by state and by carrier, so a national quote depends on where and how the cleaning company operates.
State and carrier requirements
Rules and underwriting standards can differ, particularly for workers' compensation and business vehicle coverage.
Service territory
Serving more locations or traveling farther between jobs can increase driving and customer-site exposure.
Customer contract terms
Commercial clients may request particular coverages, endorsements or limits, which can change the policy and its cost.
1,933
Quotes analyzed
51
States represented
7
Coverage lines
BEST RATE
How to get the best rate
Describe every service accurately
List routine and specialized cleaning work so the quote reflects what your employees actually do.
Document safety practices
Keep written procedures for wet floors, chemical handling, equipment use and incident reporting.
Update driver and vehicle details
Confirm which vehicles are used for work and which employees are authorized to drive them.
Review coverage trade-offs
Choose limits that fit your contracts and consider whether a higher deductible is manageable after a covered loss.
FAQ
Common questions
What insurance should a cleaning company consider?
A cleaning company may consider general liability insurance, workers' compensation, commercial auto, a business owners policy, umbrella or excess liability, and bonds. The right mix depends on its services, employees, vehicles, property and customer contracts.
Is general liability insurance enough for a cleaning business?
General liability insurance may address covered third-party injury and property damage claims, but it does not cover every business risk. Employee injuries, business vehicles and other exposures may require separate coverage.
Does a cleaning company need workers' compensation insurance?
The answer depends on state requirements and the company's workforce. Customer contracts may also request evidence of workers' compensation coverage.
What is the difference between a fidelity bond and a surety bond?
A fidelity bond may address covered dishonest acts involving an employee, while a surety bond supports a specific obligation to another party. The wording and protection differ, so review the bond requested by the customer or contract.
How can I prepare for a cleaning business insurance quote?
Gather details about services, payroll, employees, revenue, customer locations, vehicles, prior claims and requested limits. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.