Workers’ Compensation for Cleaning Businesses

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How does Workers’ Compensation insurance protect cleaning services?

Workers’ compensation insurance provides important coverage when a workplace injury happens. By helping to pay for related expenses, such as medical bills and lost income, this insurance protects your cleaning business from significant financial losses after an accident.

The physical nature of the work that cleaning professionals do makes workplace injuries more likely to occur. For example, a carpet cleaning or floor waxer could injure their back when working on a client’s home, or a janitor or housekeeper could slip and fall on a freshly mopped floor.

In most states, workers’ compensation insurance is required by law if you have employees. Getting coverage helps protect cleaning services from fines and other penalties.

business insurance for cleaners

What does Workers’ Comp cover for cleaners?

Workers’ compensation can help cover expenses related to an employee’s injury on the job. If one of your workers gets hurt, this insurance can help pay for their medical bills as well as the income they’ll miss out on during their recovery.

This insurance also provides compensation in the event of a severe injury that results in permanent disability or death.

Workers’ comp can help pay for:

  • Medical expenses
  • Lost wages
  • Retraining
  • Permanent injury
  • Survivor benefits
  • Employers’ liability

Learn more about what workers’ compensation insurance covers.

Why do cleaning businesses need Workers’ Compensation insurance?

The hands-on, physical work that cleaners creates a risk for potential injuries on the job. If an employee gets hurt, their medical bills could add up quickly. At the same time, they could lose income while out of work to heal.

When an injury occurs on the job, the business can be held responsible. Workers’ compensation insurance helps cover any injury-related costs, which protects the financial stability of the business while also making sure employees are taken care of while they recover.

Clients often require that cleaning businesses have workers’ comp insurance, and it’s often mandated by state law for businesses with employees.

What are some common risks faced by cleaning businesses?

Cleaning insurance offers you protection from a wide range of unexpected events and accidents. The following are some of the common risks that cleaners could be exposed to at work:

Dangerous accidents

Your employee slips on a wet floor and hits their head, requiring a visit to the emergency room. With workers’ compensation insurance for cleaning businesses, you’ll be able to help cover their medical bills.

Lost wages

A worker injures their back while moving a heavy piece of furniture to clean underneath. Workers’ comp insurance can help cover their lost wages while they recover.

Permanent injury or death

Severe injuries are rare in this industry, but in the event that a serious or life-threatening accident occurs, your workers’ comp insurance can help cover the associated costs.

Depending on the extent of the injury, this may include long-term disability benefits, burial expenses or survivor benefits for an employee’s family.

Employer liability

An injured employee could file a lawsuit against your business claiming that your negligence put them at risk. If this happens, workers’ comp insurance can help with the legal costs to defend yourself.

If you run your own cleaning service, be sure to add business owner’s coverage to ensure that you’re covered if you get injured at work.

How much does Workers’ Comp cost for cleaning services?

NEXT offers custom workers’ comp insurance policies that provide the right coverage for your business at an affordable rate.

More than half of NEXT’s customers pay less than $150 per month for workers’ comp. Because the risk of injury isn’t especially high in the cleaning industry, most cleaners can expect to pay about $103 per month for this type of coverage.**

Cleaning businesses that face more risks on the job, like window cleaners that work on skyscrapers, can expect to pay higher rates.

Other key factors which affect the cost of workers’ compensation insurance for cleaning businesses include:

  • How many employees you have
  • Your claims history
  • How long you’ve been in business
  • The state where you work
  • How high you set your limit

NEXT offers tailored business insurance for cleaning businesses

NEXT makes the process of getting cleaning business insurance convenient and affordable. With our simple, straightforward services, you can secure the coverage you need in just minutes.

Use your computer or mobile device to apply on your schedule from the comfort of your home or office. Compare insurance options, purchase coverage and download your certificate of insurance quickly and easily.

Get an instant quote online today.

More about Workers’ Compensation and Cleaners insurance

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Let’s find the coverage you need for your business
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
General Liability insurance
General Liability
Protect yourself from accidents that cause physical injury or damaged property.
Professional Liability or Error and Omissions Insurance
Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
Tools & Equipment Insurance
Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
Commercial Property Insurance
Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
* 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.
** The cost data presented here are based on minimum price, which is based on workers’ compensation insurance’s lowest monthly price for cleaning businesses operating in Texas. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.
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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.