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.
How Much Does Cleaning Business Insurance Cost?
Cleaning business insurance cost starts at $49 per month, but what you actually pay depends on your final rate.
Discover cheap cleaning business insurance below.

Updated: July 31, 2025
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Key Takeaways
Cleaning business insurance costs range from $49 to $188 monthly, depending on your coverage type.
Your cleaning insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable cleaning business insurance costs.
Average Cleaning Business Insurance Cost Overall
BOP | $188 |
General Liability | $133 |
Professional Liability (E&O) | $55 |
Workers' Comp | $49 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Compare Small business Insurance Rates
Ensure you're getting the best rate for your small business insurance. Compare quotes from the top insurance companies.
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.
Alabama | $130 |
Alaska | $114 |
Arizona | $126 |
Arkansas | $128 |
California | $148 |
Colorado | $132 |
Connecticut | $145 |
Delaware | $143 |
Florida | $144 |
Georgia | $135 |
Hawaii | $142 |
Idaho | $126 |
Illinois | $146 |
Indiana | $130 |
Iowa | $127 |
Kansas | $129 |
Kentucky | $124 |
Louisiana | $151 |
Maine | $115 |
Maryland | $127 |
Massachusetts | $140 |
Michigan | $126 |
Minnesota | $125 |
Mississippi | $134 |
Missouri | $132 |
Montana | $133 |
Nebraska | $126 |
Nevada | $151 |
New Hampshire | $132 |
New Jersey | $151 |
New Mexico | $134 |
New York | $155 |
North Carolina | $115 |
North Dakota | $116 |
Ohio | $124 |
Oklahoma | $127 |
Oregon | $124 |
Pennsylvania | $153 |
Rhode Island | $146 |
South Carolina | $137 |
South Dakota | $124 |
Tennessee | $130 |
Texas | $134 |
Utah | $127 |
Vermont | $128 |
Virginia | $121 |
Washington | $151 |
West Virginia | $140 |
Wisconsin | $131 |
Wyoming | $123 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
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?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
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.
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 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
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?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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
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
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
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
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
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?
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.
How much does cleaning business insurance cost in expensive states like California and New York?
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.
Do I need different insurance if I clean medical facilities or construction sites?
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.
How much can I save by bundling my cleaning business insurance policies?
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.
What factors make my cleaning business insurance more expensive?
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.
Should I choose a $500 or $2,500 deductible for my cleaning business insurance?
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.
How much does workers' compensation cost for cleaning businesses by state?
It ranges from $42 monthly in North Carolina to $56 monthly in Louisiana and New York, helping you budget based on location.
Is business owner's policy (BOP) worth the extra cost for cleaning companies?
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.
How often should I shop around for cleaning business insurance quotes?
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.
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

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.