How much is house cleaning insurance?

House cleaning businesses typically spend $44 per month on average, or $525 annually, on general liability insurance.

This type of insurance provides protection if a customer suffers a bodily injury—for example, by slipping on a freshly mopped, wet floor—or if a cleaner accidentally causes property damage, such as breaking a piece of furniture in a client's home. It also offers coverage for advertising injuries like slander, libel, or copyright infringement.

Here’s the average general liability policy purchased by house cleaning companies through TechInsurance:

Premium: $44 per month
Policy limits: $1 million per occurrence and $2 million aggregate

For smaller cleaning companies with relatively low risk, our agents often suggest a business owner’s policy (BOP). A BOP combines general liability insurance with commercial property coverage at a reduced rate, helping protect your workspace and cleaning equipment.

The price of general liability coverage can vary depending on several factors, including your policy limits, the size of your operation, customer foot traffic, and whether you use subcontractors or need to list additional insureds.

House cleaning companies spend an average of $116 per month, or $1,395 per year, on workers’ compensation insurance.

Workers’ comp helps cover medical bills and lost wages if you or an employee gets hurt or sick while on the job. For example, a cleaner might slip on a wet surface and suffer a broken bone.

In most states, this type of business insurance is required if you have employees. Even if you’re a sole proprietor or independent contractor, it’s a smart investment—health insurance providers often exclude claims for job-related injuries or illnesses.

A standard workers’ compensation policy usually includes employer’s liability insurance, which offers additional protection from legal costs if an injured worker files a lawsuit.

The price you’ll pay for workers’ comp depends on several factors, such as the state you work in, the number of employees you have, and the risks associated with your work.

For house cleaning companies, a janitorial bond averages $10 per month, or $120 per year. In many cases, you’ll need this bond in place before you can secure a client contract.

A janitorial bond is a type of surety bond, also known as a fidelity bond or employee dishonesty bond.

For example, if a house cleaner steals jewelry from a client's home, the bond reimburses the client for the loss. Unlike traditional insurance, you’re responsible for paying the bonding company back.

Carrying a bond shows potential customers that your business is trustworthy. In fact, some clients will only work with cleaning companies that are both bonded and insured.

The price of a janitorial bond is based on the bond amount you choose, since you’ll pay a percentage of the total coverage.

House cleaning businesses spend an average of $138 per month, or $1,652 annually, on commercial auto insurance.

This insurance covers repair costs, medical expenses, and legal fees if a company-owned vehicle is involved in an accident. It can also provide protection against theft, vandalism, and certain types of weather damage.

In most states, businesses are required to carry a commercial auto policy for any vehicles they own. If your cleaning staff uses personal, rented, or leased vehicles for work, you’ll need hired and non-owned auto insurance (HNOA) instead.

The price of commercial auto coverage varies based on factors such as your policy limits, claims history, the value of your vehicles, and the driving records of employees who operate them.

Smaller, lower-risk house cleaning businesses are often eligible for a business owner’s policy (BOP). On average, house cleaners pay $69 per month, or $832 annually, for this coverage.

A business owner's policy is a smart choice for cleaning companies that operate from a building or office, as it combines general liability insurance with commercial property insurance at a reduced rate. This protects your business from both third-party lawsuits and damage to your workspace or equipment.

If your company doesn’t maintain a physical location, you can still get protection by adding business personal property (BPP) coverage to a general liability policy, or by choosing tools and equipment insurance for supplies and tools that travel with you to job sites.

Here’s the average business owner’s policy purchased by house cleaning businesses through TechInsurance:

Premium: $69 per month
Policy limits: $1 million per occurrence and $2 million aggregate
Deductible: $500

Many cleaning businesses also add business interruption coverage to their BOP. This helps cover operating expenses and other costs if your business has to shut down temporarily due to a covered event, such as a fire.

The price of a BOP is influenced by the value of your building and business property, as well as the same factors that affect your general liability insurance premium, like the size and type of your business.

For house cleaning companies, commercial umbrella insurance averages $63 per month, or $758 annually. This type of insurance coverage is often used to meet client contract requirements for higher liability limits.

Umbrella coverage extends the protection of your general liability, commercial auto, and employer’s liability policies in $1 million layers. If a claim goes beyond the limits of one of these underlying policies, the umbrella policy provides the additional coverage.

The price of umbrella insurance depends on your business risks and the amount of coverage you choose. Keep in mind, you’ll need to carry a minimum level of underlying insurance before you can purchase an umbrella policy.