Built for U.S. small businesses
Business insurance for cleaners.
Coverage help for residential cleaning, janitorial, office, and move-out jobs.
Built around real cleaning work.
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Simple coverage help for cleaning.
Start with the practical risks: services, locations, employees, property, vehicles, and any certificate needs.
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.
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Your answers stay focused on the coverage your business needs.
Coverage that usually comes up
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.
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Your answers stay focused on the coverage your business needs.
cleaning insurance pricing
How much does cleaning business insurance cost?
Typical published market benchmarks provide a useful starting point before a carrier reviews your business.
- Residential versus commercial cleaning and client locations
- Payroll, employees, subcontractors, and annual revenue
- Chemicals, vehicles, claims, limits, and bonding needs
General liability
$45–$55/mo
A common range for small cleaning businesses.
Workers compensation
$130–$150/mo
Payroll, headcount, and cleaning services matter.
Janitorial bond
$10–$15/mo
Often requested to reassure commercial clients.
Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.
Cleaning insurance FAQ
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.
Ready to compare your insurance options?
Your answers stay focused on the coverage your business needs.
Why our insurance agency is built different.
We make shopping for insurance simple, fast and transparent.
- Answers in minutes, not days of phone tag, before and after you buy.
- We dig into your real risks so you're never over- or under-insured.
- Independent advice: we compare our carriers to find the right coverage at the best price.
- Before every renewal, we shop the market again to find our clients the best available price.