Cleaning business insurance costs an average of $106 monthly and ranges from $42 to $217, depending on your chosen policy type and state.
Get matched with cheap cleaning business insurance below.
Updated: October 24, 2025
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Cleaning business insurance costs range from $504 to $2,604 annually on average, depending on your coverage type, state and sub-industry.
Your cleaning insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable cleaning business insurance costs.
Average business insurance costs for cleaning companies for commonly needed coverage:
| BOP | $188 | $2,259 |
| General Liability | $133 | $1,596 |
| Professional Liability (E&O) | $55 | $656 |
| Workers' Comp | $49 | $585 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your cleaning business insurance cost for general liability coverage depends on where you operate. Alaska offers the most savings at $114 monthly (vs. the $133 national average), while New York costs $155 monthly.
| Alabama | $130 | $1,566 |
| Alaska | $114 | $1,368 |
| Arizona | $126 | $1,515 |
| Arkansas | $128 | $1,532 |
| California | $148 | $1,779 |
| Colorado | $132 | $1,584 |
| Connecticut | $145 | $1,735 |
| Delaware | $143 | $1,716 |
| Florida | $144 | $1,729 |
| Georgia | $135 | $1,622 |
| Hawaii | $142 | $1,703 |
| Idaho | $126 | $1,515 |
| Illinois | $146 | $1,753 |
| Indiana | $130 | $1,558 |
| Iowa | $127 | $1,521 |
| Kansas | $129 | $1,551 |
| Kentucky | $124 | $1,484 |
| Louisiana | $151 | $1,814 |
| Maine | $115 | $1,384 |
| Maryland | $127 | $1,524 |
| Massachusetts | $140 | $1,675 |
| Michigan | $126 | $1,513 |
| Minnesota | $125 | $1,498 |
| Mississippi | $134 | $1,605 |
| Missouri | $132 | $1,579 |
| Montana | $133 | $1,590 |
| Nebraska | $126 | $1,511 |
| Nevada | $151 | $1,812 |
| New Hampshire | $132 | $1,589 |
| New Jersey | $151 | $1,810 |
| New Mexico | $134 | $1,606 |
| New York | $155 | $1,855 |
| North Carolina | $115 | $1,384 |
| North Dakota | $116 | $1,389 |
| Ohio | $124 | $1,482 |
| Oklahoma | $127 | $1,519 |
| Oregon | $124 | $1,484 |
| Pennsylvania | $153 | $1,841 |
| Rhode Island | $146 | $1,755 |
| South Carolina | $137 | $1,645 |
| South Dakota | $124 | $1,493 |
| Tennessee | $130 | $1,558 |
| Texas | $134 | $1,611 |
| Utah | $127 | $1,521 |
| Vermont | $128 | $1,534 |
| Virginia | $121 | $1,455 |
| Washington | $151 | $1,816 |
| West Virginia | $140 | $1,675 |
| Wisconsin | $131 | $1,568 |
| Wyoming | $123 | $1,477 |
Note: We based these general liability rates on cleaning businesses with two employees across different states. Your rates will vary based on your location, claims history and the types of properties you clean.
Workers' compensation insurance costs vary by state for cleaning businesses. North Carolina offers the lowest rates at $42 monthly, while Louisiana and New York tie for the highest at $56 monthly.
| Alabama | $48 |
| Alaska | $44 |
| Arizona | $46 |
| Arkansas | $47 |
| California | $54 |
| Colorado | $48 |
| Connecticut | $53 |
| Delaware | $52 |
| Florida | $52 |
| Georgia | $50 |
| Hawaii | $51 |
| Idaho | $46 |
| Illinois | $54 |
| Indiana | $48 |
| Iowa | $46 |
| Kansas | $47 |
| Kentucky | $45 |
| Louisiana | $56 |
| Maine | $42 |
| Maryland | $47 |
| Massachusetts | $51 |
| Michigan | $46 |
| Minnesota | $46 |
| Mississippi | $49 |
| Missouri | $48 |
| Montana | $48 |
| Nebraska | $46 |
| Nevada | $55 |
| New Hampshire | $48 |
| New Jersey | $55 |
| New Mexico | $49 |
| New York | $56 |
| North Carolina | $42 |
| Oklahoma | $46 |
| Oregon | $45 |
| Pennsylvania | $56 |
| Rhode Island | $54 |
| South Carolina | $50 |
| South Dakota | $45 |
| Tennessee | $47 |
| Texas | $49 |
| Utah | $47 |
| Vermont | $46 |
| Virginia | $44 |
| West Virginia | $51 |
| Wisconsin | $48 |
Note: We based these workers' comp rates on cleaning businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost will vary by state. This coverage, also called errors and omissions insurance (E&O), averages $55 monthly nationwide. You'll find the lowest E&O insurance cost in North Carolina at $47 monthly, while Louisiana, New York and Pennsylvania tie for the highest at $63 monthly.
| Alabama | $53 |
| Alaska | $49 |
| Arizona | $52 |
| Arkansas | $53 |
| California | $62 |
| Colorado | $55 |
| Connecticut | $58 |
| Delaware | $58 |
| Florida | $58 |
| Georgia | $56 |
| Hawaii | $57 |
| Idaho | $51 |
| Illinois | $61 |
| Indiana | $53 |
| Iowa | $53 |
| Kansas | $53 |
| Kentucky | $50 |
| Louisiana | $63 |
| Maine | $48 |
| Maryland | $52 |
| Massachusetts | $56 |
| Michigan | $52 |
| Minnesota | $51 |
| Mississippi | $54 |
| Missouri | $54 |
| Montana | $54 |
| Nebraska | $52 |
| Nevada | $61 |
| New Hampshire | $54 |
| New Jersey | $62 |
| New Mexico | $55 |
| New York | $63 |
| North Carolina | $47 |
| North Dakota | $47 |
| Ohio | $51 |
| Oklahoma | $51 |
| Oregon | $51 |
| Pennsylvania | $63 |
| Rhode Island | $61 |
| South Carolina | $57 |
| South Dakota | $51 |
| Tennessee | $54 |
| Texas | $55 |
| Utah | $52 |
| Vermont | $52 |
| Virginia | $50 |
| Washington | $61 |
| West Virginia | $58 |
| Wisconsin | $54 |
| Wyoming | $52 |
Note: We based these professional liability rates on cleaning businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Cleaning business insurance costs vary most with business owner's policy (BOP) coverage depending on your state. BOP insurance cost range from $154 in Alaska to $217 in New York for identical coverage.
| Alabama | $183 |
| Alaska | $154 |
| Arizona | $178 |
| Arkansas | $181 |
| California | $213 |
| Colorado | $188 |
| Connecticut | $204 |
| Delaware | $206 |
| Florida | $204 |
| Georgia | $191 |
| Hawaii | $197 |
| Idaho | $183 |
| Illinois | $212 |
| Indiana | $181 |
| Iowa | $180 |
| Kansas | $185 |
| Kentucky | $173 |
| Louisiana | $212 |
| Maine | $165 |
| Maryland | $180 |
| Massachusetts | $202 |
| Michigan | $177 |
| Minnesota | $178 |
| Mississippi | $185 |
| Missouri | $189 |
| Montana | $188 |
| Nebraska | $176 |
| Nevada | $215 |
| New Hampshire | $188 |
| New Jersey | $214 |
| New Mexico | $187 |
| New York | $217 |
| North Carolina | $165 |
| North Dakota | $162 |
| Ohio | $176 |
| Oklahoma | $180 |
| Oregon | $171 |
| Pennsylvania | $216 |
| Rhode Island | $212 |
| South Carolina | $193 |
| South Dakota | $175 |
| Tennessee | $181 |
| Texas | $190 |
| Utah | $181 |
| Vermont | $178 |
| Virginia | $174 |
| Washington | $214 |
| West Virginia | $191 |
| Wisconsin | $188 |
| Wyoming | $173 |
Note: We based these BOP rates on cleaning businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Provider costs vary based on each company's target market, ranging from $62 to $154 monthly. Insurers adjust their focus as market conditions change and may expand coverage options for specific business types.
| Chubb | $131 | $1,573 |
| Coverdash | $110 | $1,316 |
| Hiscox | $154 | $1,852 |
| NEXT Insurance | $89 | $1,074 |
| Nationwide | $106 | $1,274 |
| Progressive Commercial | $114 | $1,370 |
| Simply Business | $93 | $1,114 |
| The Hartford | $85 | $1,024 |
| Thimble | $62 | $750 |
| biBERK | $130 | $1,556 |
Cleaning business insurance costs vary by sub-industry, ranging from $49 to $1,346 monthly, depending on coverage type:
| Janitorial | $138 | $1,653 |
| Junk Removal | $163 | $1,957 |
| Pressure Washing | $918 | $11,022 |
| Window Cleaning | $160 | $1,919 |
Your cleaning business insurance cost depends on several factors that insurers evaluate when pricing your policy:
Your business location affects liability due to local regulations and claim frequencies. Operating in tornado-prone areas or high-crime neighborhoods increases your risk profile. State differences create big variations in what you'll pay.
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your rates, making it harder to find affordable general liability rates at renewal.
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit substantially increases your rates, making affordable general liability harder to find at renewal.
Medical facilities and construction sites carry much higher liability risks than standard office buildings. Cleaning a dental office exposes you to bloodborne pathogens and specialized waste, while post-construction cleanup involves dust, debris and potential chemical exposure.
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, so cheap workers' comp becomes harder to find.
High-risk services cost more to insure. Window cleaning above the first floor, carpet cleaning with chemicals or biohazard cleanup costs more than standard office cleaning. Fewer insurers offer low-cost professional liability for these specialized services.
Bigger businesses pay more for insurance. A solo house cleaner earning $50,000 annually pays much less than a commercial cleaning company bringing in $500,000 because larger operations encounter more potential claims.
Higher coverage limits provide better financial protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Expensive cleaning gear drives up your insurance costs. If you own commercial floor buffers, carpet cleaning machines or specialized vehicles, expect higher premiums than a business using mops, vacuums and basic supplies.
Your credit score affects insurance rates in most states. Good credit can save you money on premiums, but a poor credit history often means paying 20% to 50% more for the same coverage.
Reducing your cleaning business insurance cost requires strategic shopping and our step-by-step guide to smart business practices. Here's how you can find the best cheap business insurance for your cleaning business and build a better risk profile over time.
Understanding the types of coverage your cleaning company actually needs prevents paying for unnecessary policies. For cleaning companies, we recommend that you get general liability, workers' comp, professional liability, tools and equipment insurance, commercial auto insurance and surety bonds for great coverage that meets personal and regulation needs.
Rates vary dramatically between cleaning business insurers for identical coverage. Getting quotes from at least three companies often reveals substantial savings, and independent agents can handle the comparison shopping for you.
Most insurers discount bundled policies substantially. Combining general liability, commercial property and commercial auto with one carrier costs less than buying separate policies from different companies.
Higher deductibles lower your monthly premiums since you pay more out-of-pocket before insurance coverage begins, making you more responsible for smaller claims.
Many insurers charge processing fees for monthly payments that add up over time. Paying upfront eliminates these fees and sometimes earns additional discounts.
Don't set it and forget it after finding cheap rates. As you add employees or expand services, your coverage needs change. Check your policy each year to drop coverage you've outgrown and adjust limits that no longer match your business size and operations.
Cleaning business insurance costs range from $42 to $217 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Cleaning business owners commonly ask about insurance costs. We answered the most frequent questions below:
Workers' compensation is the cheapest at $49 monthly, but it covers only employee injuries. Most cleaning businesses need general liability coverage ($133 monthly) since it protects them from customer accidents and property damage claims.
You'll pay more in these states. General liability in California runs $148 monthly (vs. $133 national average), and BOP costs $213 monthly (vs. $188 average). New York is similar at $155 and $217, respectively.
Yes, these environments require higher coverage limits. Medical facilities expose you to bloodborne pathogens and specialized waste, while construction sites involve dust, debris and potential chemical exposure risks.
Bundling provides more savings than buying separate policies. Most insurers offer discounts when you combine commercial auto coverage, general liability and commercial property with one carrier.
Several things drive up costs: operating in high-risk locations, having previous claims, cleaning specialized facilities, employing more workers, offering risky services, carrying expensive equipment and having poor credit scores.
Higher deductibles cut your monthly premiums considerably, but you'll pay more out of pocket when filing claims. Choose based on your cash flow and how often you expect to file claims.
It ranges from $42 monthly in North Carolina to $56 monthly in Louisiana and New York, helping you budget based on location.
BOP costs $188 monthly but combines general liability, commercial property and business interruption insurance. Bundling these coverages usually costs less than buying them separately, and the convenience alone makes BOP worthwhile for most cleaning businesses.
Shop annually at renewal time. Getting quotes from at least three companies often reveals substantial savings, particularly if you've hired new employees or started offering additional services.
We gathered cleaning business insurance quotes from multiple companies across various states. To keep comparisons consistent, each quote was based on the same business profile:
Our analysis focused on a typical small cleaning business that needs broad protection. We selected companies with nationwide availability and online quote tools, prioritizing insurers that specialize in serving the cleaning industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
