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Cleaning business insurance

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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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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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Take a few minutes to get an instant quote and see how much business insurance will cost.

 

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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 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 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 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.

 

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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 support@nextinsurance.com 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?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.