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Cleaning business insurance

Save up to 30% with instant coverage
Cleaning business insurance

Get customized cleaning business insurance to fit your needs

Next Insurance is a one-stop shop for cleaning business insurance. We make it easy for you to quickly get the coverage you need at an affordable price so you can focus on your work, protect your employees and your equipment. Oh, and you’ll save 10% when you bundle two or more of our policies. 


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We specialize in business insurance for cleaners

Choose your profession for more information or get a customized quote for your business

Carpet Cleaner, Floor Waxer, Garbage Collector, Janitor, Maid/House Cleaner, Pressure Washer, Window Cleaner, Other,

Business insurance has never been easier

Customized business insurance to protect you and your clients
Get covered in 10 minutes and save up to 30%
Instant proof of insurance and easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
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How much does insurance cost

How much does cleaning business insurance cost?

You can save up to 30% when you buy cleaning insurance with Next. The exact amount you pay will depend on:

  • The types of cleaning services you offer
  • The kinds facilities you clean
  • If you have any employees and the kinds of work they do
  • The number and types of vehicles you drive for work
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Dedicated small business insurance

Why do cleaning professionals need business insurance?

Business insurance offers you protection from a wide range of accidents and business risks, from a customer slipping on a wet floor you just mopped to being accused of damaging property or theft. 

Having the right types of insurance for your cleaning business means that you don’t have to pay entirely out of pocket after an accident or to defend your business.

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Liability insurance for cleaning businesses

Cleaning liability insurance can help cover costs if a client accuses you of damaging an expensive carpet or not following safety instructions and causing an injury.  

We combine two types of liability insurance in our business insurance packages:

General liability is the insurance coverage that most cleaning business owners buy first because it covers some of the most common accidents when you work with clients — property damage and injuries to non-employees. 

You’ll have financial help if someone trips over your bucket and gets hurt or you accidentally shatter an expensive vase.

Errors and omissions insurance (also known as professional liability), provides financial protection if your client claims you didn’t do a good job or if you’re accused of making a mistake that causes someone to lose money. Accurate or not, you could have to pay to defend your business if they take legal action. Professional liability coverage will cover legal expenses or to amend the mistake. 

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Other important business insurance coverage for cleaners

Liability insurance is a must-have for covering your bases but you may want to add other types of business insurance to protect your cleaning equipment, your work vehicles and your employees.

We typically recommend: 

Workers' Compensation Insurance
Workers’ Compensation for cleaners

If you have employees, workers’ compensation helps offset the costs of medical bills if they get hurt or sick on the job. Workers’ comp can also help to cover their lost wages while they recover from accidentally falling down the stairs while vacuuming.

This coverage is required for businesses with employees in every state except Texas.

Learn more about workers’ comp.

Commercial Auto Insurance
Commercial Auto insurance for cleaning businesses

Commercial auto insurance is legally required in most states if you own a car or truck that’s titled to your business. Even if you drive your own truck to job sites, it probably won’t be covered under your personal car insurance.

Learn more about commercial auto.

Tools & Equipment Insurance
Tools & Equipment insurance for cleaners

Tools and equipment insurance can be added to your general liability insurance to help cover the cost of repairing or replacing your gear, whether it’s mops or extension poles.

Learn more about tools & equipment.

Frequently asked questions about cleaning professionals’ insurance



Can I add an additional insured to my cleaners’ insurance?

Yes. We know this is a common need for cleaners to add an additional insured to their coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free.    If your client needs special language on the certificate or other forms (called endorsements), please send a sample certificate to and an agent will be happy to review those requirements with you. Learn more about additional insureds.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

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