How to Choose the Best Cleaning Business Insurance for Your House Cleaning

Nate Jones, CPCU, ARM, CLCS, AU
2 days ago
2 min read

Running a house cleaning business comes with risks, from accidental property damage to employee injuries. Choosing the right cleaning business insurance ensures your company is protected while complying with local regulations.

Here’s a step-by-step guide to help house cleaning business owners select the best insurance coverage.

1. Understand the Types of Insurance You Need

Before shopping for quotes, it’s important to know what coverage your cleaning business requires:

General Liability Insurance – Protects against property damage or customer injuries
Workers’ Compensation Insurance – Required if you have employees
Commercial Auto Insurance – Covers vehicles used for business operations
Tools and Equipment Coverage – Protects your cleaning supplies and equipment

Knowing what you need ensures you avoid unnecessary coverage and unnecessary costs.

Wexford Insurance — **REQUEST A FREE QUOTE**

2. Evaluate Providers’ Experience

Not all insurance providers understand the unique needs of cleaning businesses. Look for companies that:

Specialize in contractor or cleaning business insurance
Have a track record of serving house cleaners
Offer guidance on state-specific coverage requirements

Experienced providers are more likely to offer accurate quotes and tailored coverage.

3. Compare Quotes and Coverage Options

When choosing the best insurance, don’t just focus on price. Evaluate:

Coverage limits and deductibles
Optional endorsements for added protection
Policy exclusions and limitations

Request multiple quotes to ensure you’re getting comprehensive coverage at a fair price.

4. Consider Bundling Policies

Many insurers offer discounts when you bundle multiple policies, such as general liability, workers’ compensation, and commercial auto. Bundling can save money and simplify policy management while keeping full coverage.