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What is cleaning insurance?

Cleaning insurance is a policy that protects cleaning businesses – whether they are a solo cleaner or a large agency that employs hundreds of cleaners – from various potential risks, including lawsuits, equipment damage and injury.

Most professional cleaning services are contractually obligated to have insurance. However, if you, as a professional cleaning business, have managed to somehow dodge this bullet, then consider purchasing it for the simple reason of needing to protect your business and its assets.

Something as simple as equipment breakdown can cost you thousands of dollars in lost revenue – not to mention replacement and repairs costs. Insurance will help you avoid sudden losses. Yes, you have to invest in insurance before it can help you – meaning you’ll lose money – but comparatively speaking, it’s a small loss, and it’s one you can control.

What cleaning insurance includes

A typical cleaning insurance policy should include the following coverages:

Recommended add-ons for cleaning insurance coverage

While the basics are essential, some add-ons can provide additional protection:

Common types of cleaning insurance claims

Understanding the common types of claims can help you better prepare and avoid them whenever possible.

How much does cleaning insurance cost?

The cost of cleaning insurance varies based on several factors:

Business size and revenue: Play a significant role. Larger businesses with more revenue typically face higher premiums due to increased risk exposure.

Type of services offered: Affects the cost. Specialized cleaning services, like hazardous material cleanup, may attract higher premiums.

Number of employees: Is another factor. More employees means a higher risk of claims, impacting your insurance costs.

On average, small cleaning businesses can expect to pay between $400 to $700 annually for basic coverage. However, this cost can vary significantly based on the factors mentioned above.

How to get the cheapest cleaning insurance rates?

Finding the cheapest insurance rates requires a strategic approach. Here are some tips to help you secure the best deals:

Cleaning insurance in Canada: What you need to know

In Canada, cleaning insurance is not just a good idea—it's often a requirement. Many clients and commercial contracts require proof of insurance before allowing cleaners to work on their premises. Here's what you need to know:

Provincial regulations: Can influence the type of insurance you need. Different provinces may have unique requirements or recommendations, so it's essential to stay informed about local laws.

Tax deductions: For insurance premiums could be available. Consult with a tax professional to understand how your insurance premiums might reduce your taxable income.

Having comprehensive cleaning insurance not only protects your business but also enhances your credibility. Clients feel more secure hiring insured cleaners, knowing they're protected in case something goes wrong.