Cleaning Business Insurance

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

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Get insurance for your cleaning business customized for your needs

NEXT makes it fast, easy and affordable for small business owners in house cleaning, window cleaning, janitorial services, carpet cleaning and more to get tailored business insurance.

We’ll help you get the types of coverage that work best for cleaners, including general liability insurance, workers’ compensation insurance and tool and equipment insurance. Together we can help protect you, your clients, your employees and your business.

In about 10 minutes you can get a free quote, choose your options, buy online and get sharable proof of insurance.

With NEXT you can modify your policy 24/7 via web or mobile app.

NEXT has affordable cleaners insurance to help protect you

Choose your profession to get started.

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

How much does cleaning business insurance cost?

You can save up to 25% in discounts when you buy cleaning insurance with NEXT. Insurance companies determine your monthly or annual premium based on factors like:

  • The types of cleaning services you offer
  • The type of clients you serve
  • Your number of employees and the type of work they do
  • The type(s) of vehicles you drive for work
  • The location of your business
  • Your claims history
  • Your annual business revenue

The best way to know exactly what price you’ll pay is to check our prices with a free, no-obligation insurance quote.

Why do cleaning professionals need business insurance?

Small business insurance policies can help to protect you from the financial losses of a wide range of business risks. This can include injury and medical expenses, property damage, some legal fees and theft.

Without the right insurance to mitigate your risk, you would have to pay entirely out of pocket after an accident or to defend your business.

The best insurance for a cleaning business could help you to:

  1. Get jobs. Many clients ask for proof of insurance — usually general liability insurance — before they’ll hire you for cleaning services. Coverage can help protect you from the risk of loss after accidental injuries and property damage on a client’s property.
  2. Hire employees. Most states require workers’ compensation insurance for small businesses with employees.
  3. Drive for business. Company vehicles and personal vehicles you drive for work typically need commercial auto insurance.
  4. Protect your business equipment. If your cleaning supplies get stolen or damaged at a job site, tools and equipment insurance could help.

NEXT cleaning business insurance is fast, easy and affordable

Customize your insurance coverage for your business needs.
Business insurance in less than 10 minutes

Fast

Get covered online in about 10 minutes and get 24/7 access to your policy.

Easy monthly payments

Easy

Set up monthly or annual payments, and get unlimited proof of insurance at no additional cost.

Get business insurance online

Affordable

NEXT has competitive rates for coverage, and you can save up to 25% in discounts.

What type of insurance do I need for a cleaning business?

Business insurance for a cleaning company can help protect your employees, your cleaning equipment, your work vehicles and yourself.
Many cleaning business owners usually choose:
General Liability insurance for a cleaning business

A general liability insurance policy can help cover financial losses after some of the most common accidents that occur when you work with clients — repairs or replacement after property damage to their property, and medical costs after injuries to non-employees.

This type of liability insurance could also provide financial help for some legal fees and judgments.

Learn more about general liability insurance.
Workers’ Compensation insurance for cleaners

A workers’ comp insurance policy is required in most states if you have employees.

It can help protect you from the costs of work-related accidents and injuries to your employees and, with add-on coverage, for yourself. This coverage can help pay for medical bills, lost wages while recuperating and more.

Learn more about workers’ compensation insurance.
Commercial Auto insurance for cleaning businesses

Commercial auto insurance is legally required in most states if you own a car, truck or other vehicle for your business. And if you drive your own car or truck for work, business driving probably won’t be covered under your personal car insurance if you have an accident or cause damage on the road.

Learn more about commercial auto insurance.
Tools and Equipment insurance for cleaning companies

Tool and equipment insurance is an add-on to general liability insurance. This coverage can help cover the cost of repairing or replacing your business gear if it gets stolen or damaged at work at a client’s site.

Learn more about tool and equipment insurance.

NEXT Insurance 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.

Cleaning business insurance FAQ

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
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Manage your policies, send and create certificates of insurance, or file a claim with our app.
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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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© 2025 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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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.

** 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.

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 March 21, 2025. 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.