Best Cleaning Business Insurance in 2025

The best insurance for cleaning businesses should be affordable and offer comprehensive coverage and reliability to protect your business from whatever risks apply. Whether you're a sole proprietor or an LLC, finding the right insurance provider ensures that you're prepared for potential liabilities like property damage, bodily injury and personal injury claims. 

Here are our top five best cleaning business insurance providers:

• Nationwide: Best Overall Business Insurance for Cleaners
• Hiscox: Cheapest General Liability for Sole Proprietors
• Next: Cheapest Overall for Cleaning Businesses With Employees
• Thimble: Best for Getting Online Quotes Fast
• The Hartford: Best for Customer Satisfaction

We evaluated and ranked cleaning business insurance by comprehensively assessing the following factors:

• Affordability: We prioritized cleaning company insurance providers offering competitive and affordable premiums specifically tailored for cleaners, including sole proprietors and LLCs with employees.
• Coverage options: We evaluated insurers based on the breadth and diversity of their coverage options.
• Claims process: We looked for insurers with a reputation for handling claims promptly and fairly.
• Customer satisfaction: We reviewed customer satisfaction ratings from trusted sites like J.D. Power.
• Financial stability: We selected insurers with strong financial scores and reputable ratings from sources such as AM Best and Moody’s.

MoneyGeek determined that the average cost of cleaning business general liability insurance is $22,815 per year for an LLC with 20 employees and $1,007 per year for a sole proprietor without employees. The number of employees significantly impacts insurance costs for cleaning businesses.

Other factors that determine insurance for cleaning business rates include:

• Coverage: The higher your coverage limits, the more your business is protected against high-dollar claims, but the more you’ll usually pay in insurance premiums.
• Industry risk: Insurance companies use risk to help determine rates. If you clean in riskier settings, like a commercial building or hospital, you could pay more for cleaning business insurance.
• Location: Providing cleaning services in areas more prone to claims, such as high-crime locations or where weather events are more common, could increase insurance premiums.
• Payroll costs: Expect to pay more for cleaning business insurance if you have a large number of employees and high payroll costs.
• Previous claims: Having a prior claims history can impact current and future insurance rates compared to claims-free cleaning businesses.

Although business liability insurance offers basic coverage, cleaners may need other business insurance policies to cover additional risks that could threaten business or personal assets. Additional insurance policies that may be beneficial for a cleaning business include:

• Commercial property insurance: This policy covers rented or owned business equipment, tools and business locations.
• Commercial auto insurance: A commercial auto insurance policy will provide coverage for auto accidents that cause bodily injury or property damage, regardless of who is at fault.
• Workers’ compensation insurance: A workers’ compensation policy will cover your employees’ work-related injuries and can be tailored to state-specific requirements, if applicable.
• Professional liability insurance: A professional liability insurance policy (also called errors and omissions insurance) will cover expenses related to any error or mistake claims made against the business for services provided.
• Business income insurance: If the business cannot operate because of a covered loss, like a fire, business income or business interruption insurance can cover lost revenue, bills and employee wages.