Best Cleaning Business Insurance

The best provider depends on how your business operates, who you clean for and how much support you need managing coverage. Use this table to quickly compare our top insurers.

• You prefer DIY policy management: Most simple operations regarding buying and managing your policy can be done completely online without an agent, which fits most small cleaning business needs.
• You need instant COIs for commercial clients: Once you buy a policy, you can get an instant COI online or in their app, make smaller changes to modify language to contract specifications and send out easily to your clients.
• You are a smaller operation with lower profit margins: ERGO NEXT's affordability is the best for cleaners, and you'll more often than not get the lowest rates on the market.

• If you need commercial auto coverage: ERGO NEXT does not offer commercial auto insurance, so look into biBerk if you want coverage all under one policy or Progressive if you want the absolute best vehicle protection.
• More complex operations with large employee counts: Once you start getting into higher-risk categories of cleaning, expand operations to multiple locations and have a larger team, their service will not be sufficient for your needs. The Hartford, biBerk or Hiscox offers better coverage and service.
• You want dedicated agent access: As part of NEXT's recent acquisition, most customer support is funneled through chats online rather than on the phone. If you prefer communication with a person, The Hartford is the better option for dedicated access to an agent assigned to your business.

• You need broader coverage than a basic GL policy: The Hartford can support a more complete insurance setup through its BOP, workers’ comp, EPLI, umbrella and cyber options, which matters more as cleaning operations become more complex.
• You work with commercial clients that require endorsements: The Hartford is a stronger fit when property managers, offices or building accounts require higher limits, additional insured wording or more formal policy documentation.
• You want agent help before buying: The Hartford’s agent-supported model is useful if you want help deciding which coverages, limits and contract terms your cleaning business actually needs.

• You want the fastest fully digital experience: The Hartford is not as streamlined as ERGO NEXT or Thimble if you mainly want to quote, buy, manage documents and make simple changes online.
• You are a solo cleaner focused on price: The Hartford may offer more support and coverage depth than a very small residential cleaner needs, often at a higher average cost.
• You need commercial auto directly from the same small-business provider: The Hartford does not solve direct commercial auto needs for this page’s provider set, so biBERK is the cleaner fit if auto is central.

• You need commercial auto coverage directly: biBERK is the only provider on this list offering commercial auto directly, which makes it important for cleaning businesses with company vehicles or regular business-driving exposure.
• You want direct coverage backed by Berkshire Hathaway: biBERK lets you buy directly from the insurer while still getting the financial backing of the Berkshire Hathaway Insurance Group.
• You want multiple standard policies from one insurer: biBERK can support common policies like GL, workers’ comp, BOP, commercial auto, professional liability, umbrella and cyber, making it useful for cleaners who want fewer provider relationships.

• You want the lowest rate across most cleaning categories: biBERK is competitive for dry cleaners and laundromats, but it is not the cheapest option across cleaning businesses overall.
• You expect every policy change to be self-service: Some servicing tasks require phone contact, which can feel less convenient than ERGO NEXT if you want fully digital management.
• You care most about claims experience: biBERK’s claims performance is not its strongest point in your analysis, so The Hartford may be better if claims support is a major deciding factor.

• You need coverage for a specific job or short period: Thimble lets cleaners buy coverage by the job, month or year, making it the best fit for one-off jobs, seasonal work and short-term contracts.
• Your cleaning work is inconsistent: Thimble fits cleaners whose job volume changes and who do not want to pay for annual coverage during slow periods.
• You need quick proof of insurance for a one-off client: Thimble works well when a client requires a COI before a temporary job, event cleanup, move-out cleaning project or short commercial contract.

• You need commercial auto coverage: Thimble does not offer commercial auto for cleaning businesses. Choose biBERK if vehicles are part of the core insurance decision.
• You have steady year-round work and employees: Once you have recurring payroll, crews and contracts, annual coverage from ERGO NEXT, biBERK or The Hartford fits better.
• You want phone support or hands-on claims help: Thimble is built around digital service and third-party claims handling, not direct phone-based support.

• You run a specialty cleaning business: Hiscox performs best for niches like air duct cleaning, chimney sweeping and hood cleaning, where its pricing is stronger than for standard residential cleaning.
• You want online buying with licensed-agent backup: Hiscox gives cleaners an online quote path while still offering phone access to licensed agents before purchase.
• You need professional liability coverage: Hiscox is the strongest fit for cleaners with inspections, service standards, recommendations, consulting-like responsibilities or contract-performance disputes.

• You run a high-volume residential cleaning operation: Hiscox is not the strongest price fit for house cleaning, maid service or larger residential cleaning operations.
• You need commercial auto in the same buying flow: Hiscox does not make commercial auto a clean online option for cleaners. Choose biBERK if vehicles are central.
• You want fully online policy changes: Hiscox can support online COIs, but policy changes require agent contact.
• You operate in Alaska: Hiscox does not write policies there.