Cleaning Business Insurance

You can save up to 25% in discounts with instant coverage.*

Choose your primary coverage to get started:

General Liability Insurance

General Liability

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Workers' Compensation Insurance

Workers' Compensation

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Tools & Equipment Insurance

Tools & Equipment

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Errors & Omissions Insurance

Contractors' E&O

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More Insurance Coverage

Other Coverages

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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.

We specialize in business insurance for cleaners

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

Carpet Cleaning, Floor Waxing, Garbage Collection, House Cleaning and Maid Service, Janitorial, Pressure Washing, Septic Tank Cleaning, Window Cleaning

Rescue My Space for NEXT Insurance

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.

Get business insurance coverage

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.

Learn more about General liability for cleaners.


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.

How much does insurance cost

How much does cleaning business insurance cost?

You can save up to 25% in discounts 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

Business insurance has never been easier

Customized business insurance to protect you and your clients
Business insurance in less than 10 minutes

Get covered in 10 minutes and you can save up to 25% in discounts

Easy monthly payments

Instant proof of insurance and easy monthly payments

Get business insurance online

Do it all 100% online or talk to a licensed U.S.-based advisor

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 insurance for cleaners 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.

Customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

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.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

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 and require help from our support team, please visit our online help center.

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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.