How To Get Your Cleaning Business Insured

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by Tom Watson on September 2, 2012

Disclosure: Cleaning 4 Profit may be compensated through the links in the post below, but the opinions are our own.

Getting insurance for your cleaning business scares the daylights out of some people.

The first few things that comes to people’s mind is it’s complicated, expensive, boring, over their head, you name it.

I can understand why, as I pretty much thought the same when I first started my cleaning business. I dreaded the process for some reason. I thought it was going to be as bad as going to the dentist!

The truth is much different however, as getting liability insurance for your cleaning company is pretty cut and dry. The only issue I would worry about is getting several quotes, as that just makes sense. Why pay more than you have to right?

This means that even if you already have cleaning insurance, you should be comparing offers every now and then as well. This is KEY as it’s real easy to get complacent when you have so much going on.

At the end of the day, if you don’t pay attention to what you are paying out each month in bills, you SLOWLY start to overpay for many of the day-to-day expenses that keep your business running. This in turn means LESS PROFIT, which is Arch Enemy #1 in my book!

Cleaning Business Insurance Providers

If you don’t know where to start on insurance, then I would recommend you check out Hiscox Small Business Insurance. Just click on the banner you see below and fill out the form to get prices. This company has been around a while and they offer free quotes.

Anyway… the process of getting insurance is simple and quick. You just answer a few questions to the best of your knowledge, pick a start date and PRESTO, your insured. This is not a long drawn out process, and there is nothing scary about it.

Cost of cleaning business insurance

Before I wrap this up, let me touch on cost real quick, as I know many of you will be concerned about that. For the record, lots of folks think getting cleaning insurance is expensive. This is not the case!

The cost of insurance is directly based on RISK. In other words, all the insurance company is worried about is how much risk will they be burdened with by insuring your cleaning company.

When you are new, and have little or no customers, YOU HAVE LITTLE RISK. This means your insurance premium is SMALL. As you grow, your costs will rise, but SO WILL YOUR INCOME from your cleaning accounts. So in a nutshell, don’t worry about the cost, it’s peanuts (no pun intended).

If you liked this post, you can subscribe to our RSS feed. If you are looking for a blueprint that will show you how to start a cleaning business, then check out my Cleaning Business Start Up Guides. If you are badly in need of a first class website then take a look at my Cleaning Business Websites.

DISCLOSURE: I may be an affiliate for products that I recommend. If you purchase any items through my links odds are I’ll earn a commission of some kind. I only recommend products and services that I have used or think may be useful to those starting or operating a cleaning business.

{ 17 comments… read them below or add one }

1 Conteh McGee September 27, 2012 at 7:58 am

Question Tom. I’m working on my direct mail letters. Do I put my home address for the return address or should I get a P O Box? Also, do I hand write the return address too or should I get labels?


2 Tom Watson September 27, 2012 at 9:04 am

Hi Conteh!

I always used my home address (I think a PO box would seem cold and impersonal). Concerning the return address, I’ve done it both ways (printed label vs hand-written). Whatever you decide on that, I would just make sure it says your personal name and not the company name.

3 Conteh McGee September 28, 2012 at 11:10 am

Thanks a lot Tom!

4 Tango September 28, 2012 at 5:42 pm

Great. Thank you for your information

5 Tom Watson September 28, 2012 at 6:45 pm

No problem. Touch base if you need anything!

6 Vivian October 21, 2012 at 11:56 am

Hi Tom,

first of all, i’d lke to say Thank you for posting a lot of interesting things about cleaning business.
your page has helped me a lot. After 5 years working as a cleaner i just decided to start my own business.


7 Tom Watson October 21, 2012 at 12:23 pm

Hi Vivian!

Wow, congratulations! I’ll be wishing you the best.

8 oluwafemi julius January 15, 2013 at 11:50 am

Hi Mr.Tom.

i realy thank you so much for the insightful information you dished out on cleaning. my testimony is that, none of the information you have shared so far that does not ease my worries in my cleaning business.


9 Tom Watson January 15, 2013 at 12:00 pm

Thanks so much Julius! I’m happy to help.

10 melissa January 23, 2013 at 9:34 pm

Hello again should I just start out wit simple liability insurance and up grade as needed

11 Tom Watson January 23, 2013 at 9:42 pm

Hi Melissa! All I can say is that is what I did. I made sure I was insured, then added more into the mix over time.

12 Ashley January 26, 2013 at 1:47 am

Hi Tom I have a cleaning company been in business for years I have a few accounts but how do I get insured we are a small company three employer any help.would be great

13 Tom Watson January 26, 2013 at 3:44 pm

Hi Ashley,

There is a link in the article, check them out or do a google search for your location.

14 Kim H April 18, 2013 at 12:26 am

Hey there thank you for your useful information! I was told by my insurance company that I did not need to be “bonded” your header speaks of being insured & bonded but does not touch on the subject of bonding. Do you have any information on this as I am still unclear if my business needs to be bonded? Thank you!

15 Tom Watson April 18, 2013 at 7:58 am

Hi Kim! You need insurance, but bonding is generally optional. I wrote a post here that will help you…

16 Second Chance June 29, 2014 at 7:55 pm

Thanks for the advise going to start making the goodie bags and stuffing envelops hopefully I have some luck now. I am also going to cancel my website and my suppose to be lead connection. Thanks again

17 Tom Watson June 30, 2014 at 6:56 am

You are very welcome!

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