Kinro

Built for U.S. small businesses

Business insurance for cleaners.

Find my coverage now

Takes about 2 minutes · No commitment required

Support from licensed agents No obligation to buy
Cleaner working in a client home

We work with 50+ companies to find the best match for you!

Progressive
GEICO
AmTrust
Pie Insurance
Coterie
NEXT Insurance

What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

How much does cleaning business insurance cost?

Tell us what your business does and get personalized information, including published monthly insurance benchmarks that vary by business, location, payroll, and coverage.

$45–$55/mo

General liability

$130–$150/mo

Workers compensation

$10–$15/mo

Janitorial bond

What insurance can help protect

Property damage inside client spaces

A cleaner damages flooring, furniture, fixtures, or a customer’s belongings.

Employee injuries

Staff work with equipment, chemicals, stairs, and customer locations.

Access and key issues

Some cleaning contracts involve keys, alarm codes, after-hours access, or client property.

Coverage to consider

General Liability

Often requested by commercial clients and landlords for injury or property damage claims.

Workers Compensation

Usually important when cleaners are employees on payroll.

BOP or Property

May help with business property, supplies, and office exposures.

Tools and Equipment

Can apply to cleaning equipment used away from your location.

Owner's Personal Car

Comes up when the owner uses a personal car to drive to cleaning jobs, carry supplies, or visit clients.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag — before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

cleaning questions?We have answers.

Do cleaning businesses need general liability?
Many cleaning businesses carry general liability because work happens inside customer spaces where property damage or injury claims can happen.
Does cleaning insurance cover lost keys?
Some policies or endorsements may address lost-key exposure. Kinro can help you check what your policy says.
Can Kinro help janitorial businesses with workers comp?
Yes. Kinro can collect employee and payroll basics and help with the right next step.
What can change the price?
  • Residential versus commercial cleaning and client locations
  • Payroll, employees, subcontractors, and annual revenue
  • Chemicals, vehicles, claims, limits, and bonding needs

Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.