Key Takeaways

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Cleaning business insurance costs range from $49 to $188 monthly, depending on your coverage type.

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Your cleaning insurance premiums depend on location, claims history, property types serviced and employee count.

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Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable cleaning business insurance costs.

Average Cleaning Business Insurance Cost Overall

Cleaning business insurance costs vary widely across coverage types. Understand these differences so you can budget smartly. MoneyGeek's survey analysis shows monthly premiums range from $49 for workers' compensation to $188 for business owner's policy (BOP) coverage.

BOP$188
General Liability$133
Professional Liability (E&O)$55
Workers' Comp$49

How Did We Determine These Rates?

Compare Small business Insurance Rates

Ensure you're getting the best rate for your small business insurance. Compare quotes from the top insurance companies.

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Cleaning Business Insurance Cost of General Liability Coverage by State

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, giving you concrete data to factor into your business planning.

How Did We Determine These Rates?

Cleaning Business Insurance Cost of Workers’ Compensation Coverage by State

The cost of workers' compensation insurance for your cleaning business varies by state. North Carolina offers the lowest rates at $42 monthly, and Louisiana and New York tie for the highest at $56 monthly. Our analysis reveals how state regulations and claim histories create these differences.

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

How Did We Determine These Rates?

Cleaning Business Insurance Cost of Professional Liability Coverage by State

Like other coverage types, the cost of professional liability (E&O) insurance for cleaning businesses varies by state. Compared to the national average of $55 monthly, North Carolina offers the lowest rate at $47 for E&O insurance, and Louisiana, New York and Pennsylvania tie for the highest at $63 monthly.

How Did We Determine These Rates?

Cleaning Business Insurance Cost of BOP Coverage by State

Business owner's policy (BOP) rates show the widest variation in cleaning business insurance cost by state. For example, coverage in Alaska costs $154, while the same policy amounts to $217 in New York.

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

How Did We Determine These Rates?

Factors Affecting Cleaning Business Insurance Cost

As a business owner, you're likely wondering why insurance quotes vary. Your cleaning business insurance cost depends on several factors that insurance companies look at when pricing your policy. Understand these factors so you can lower your rates and budget more accurately.

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    Geographic location

    Your business location affects liability and workers' compensation rates due to local regulations and claim frequencies. Operating in tornado-prone areas or high-crime neighborhoods increases your risk profile, and state differences create big differences in what you'll pay.

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    Safety record and claims history

    Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your general liability rates at renewal.

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    Types of properties serviced

    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.

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    Employee count and payroll

    Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, which raises your workers' compensation premiums.

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    Services offered

    High-risk services cost more to insure. Window cleaning above the first floor, carpet cleaning with chemicals and biohazard cleanup push premiums higher than standard office cleaning jobs.

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    Business size and revenue

    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 face more potential claims.

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    Coverage limits

    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.

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    Equipment and vehicle values

    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.

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    Credit score and financial stability

    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.

How to Get Cheap Cleaning Business Insurance

Finding affordable cleaning business insurance cost solutions requires strategic shopping and smart business practices. Here's how to reduce your premiums immediately or over time as you build a better risk profile.

  1. 1

    Choose the right coverage types for your business

    Understanding what types of business insurance your cleaning company actually needs prevents paying for unnecessary coverage. General liability covers customer accidents and property damage, while workers' compensation is required if you have employees. Add commercial property coverage if you own cleaning equipment, vehicles or maintain inventory.

  2. 2

    Shop multiple insurance companies

    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.

  3. 3

    Bundle your coverage types

    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.

  4. 4

    Increase your deductibles

    Higher deductibles lower your monthly premiums since you pay more out-of-pocket before insurance coverage begins, making you more responsible for smaller claims.

  5. 5

    Pay annually instead of monthly

    Many insurers charge processing fees for monthly payments that can add to your total cost. Paying upfront eliminates these fees and sometimes earns additional discounts.

  6. 6

    Review and adjust your coverage annually

    Don't set it and forget it after finding cheap rates. As you add employees or expand services, your coverage needs change too. Check your policy each year to drop coverage you've outgrown and adjust limits that no longer match your business size and operations.

Insurance for Cleaning Business Cost: Bottom Line

Cleaning business insurance costs range from $49 to $188 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 Insurance Cost: FAQ

Cleaning business owners commonly ask about insurance costs. We answered the most frequent questions below:

What is the cheapest type of cleaning business insurance?

How much does cleaning business insurance cost in expensive states like California and New York?

Do I need different insurance if I clean medical facilities or construction sites?

How much can I save by bundling my cleaning business insurance policies?

What factors make my cleaning business insurance more expensive?

Should I choose a $500 or $2,500 deductible for my cleaning business insurance?

How much does workers' compensation cost for cleaning businesses by state?

Is business owner's policy (BOP) worth the extra cost for cleaning companies?

How often should I shop around for cleaning business insurance quotes?

How We Determined Cleaning Business Insurance Costs

We collected cleaning business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:

  • Two employees (three people in total, including the owner)
  • $150,000 annual payroll
  • $300,000 annual revenue
  • Already insured status
  • $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage

We used a typical small cleaning business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the cleaning industry.

About Mark Fitzpatrick


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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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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