Core coverages in this program
- •General Liability (with damage-to-property-of-others)
- •Janitorial Services Bond
- •Workers' Compensation
- •Inland Marine (tools & equipment)
- •Commercial Auto & Hired/Non-Owned Auto
- •Cyber Liability
What cleaning business insurance covers
A properly built cleaning insurance program answers the three claims that actually happen to cleaning companies: a client's property broken during service, an employee injured on the job, and a theft allegation from inside a client's home or office. Each requires a different policy, and skipping any one of them leaves the largest gap.
Who needs it?
Every operator that sends staff into a home or business needs coverage, including:
- •Residential maid & housecleaning services
- •Commercial office janitorial companies
- •Post-construction cleanup crews
- •Carpet, upholstery & pressure-washing specialists
- •Airbnb / short-term rental turnover cleaners
- •Window & high-rise exterior cleaners
How much does cleaning business insurance cost?
Most small residential cleaning businesses pay $450–$900 per year for a general liability policy with $1M/$2M limits. Adding a janitorial bond costs $100–$250. Workers' compensation is priced per $100 of payroll — cleaning class codes typically run $3–$8 per $100. Commercial janitorial companies with employees and vehicles usually land between $2,500 and $8,000 in total annual premium depending on payroll, revenue, and vehicle count.
The janitorial services bond — what it actually does
A janitorial bond is not liability insurance — it's a third-party guarantee that reimburses a client if one of your employees is convicted of theft on their property. Many commercial cleaning contracts and property manager RFPs require a $10,000 or $25,000 bond. KTL places bonds through Travelers, Old Republic Surety, and Hiscox alongside your liability program.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.