How Much Does Insurance Cost for a Cleaning Business in 2026?
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
If you run or are planning to start a cleaning business in 2026, one of the most important financial aspects you’ll need to consider is insurance cost. Cleaning business insurance protects your company from liabilities like customer injuries, property damage, employee accidents, and more — but prices can vary widely depending on coverage types, your business size, location, and risk level.
Here’s a breakdown of typical insurance costs in 2026 and what you should expect when budgeting for your cleaning company’s protection.
Typical Insurance Costs for Cleaning Businesses in 2026
Most cleaning businesses purchase a combination of policies. Below are average insurance costs cleaning companies pay based on recent industry data:
Around $44–$48 per month (about $525–$580/year) for basic liability coverage.
Around $116–$136 per month ($1,390–$1,627/year)** if you have employees.
Around $69–$76 per month ($830–$907/year), often a combined policy bundling liability and property coverages.
Around $138–$173 per month ($1,650–$2,075/year)** for vehicles used in business operations.
Around $60–$80 per month ($700–$900/year)** for extra liability protection.
Janitorial Bond
Around $10–$11 per month ($120–$130/year).
When combined, a small cleaning business with general liability, workers’ comp, and a BOP may pay roughly $200–$400 per month, but costs can be higher if you add vehicles or higher coverage limits.
What Affects Your Cleaning Business Insurance Cost?
Insurance pricing isn’t one‑size‑fits‑all. Here are key factors that influence your total premium:
Business size and number of employees — More employees usually means higher workers’ comp costs.
Location — Urban areas or high‑risk regions may face higher premiums.
Claims history — Businesses with past claims often pay more.
Coverage limits and deductibles — Higher limits and lower deductibles increase the price.
Type of services offered — Specialized or higher‑risk cleaning (e.g., commercial large‑site cleaning) can drive up costs.
How to Get an Accurate Cleaning Business Insurance Quote
Because every cleaning company is different, actual premiums can vary. The best way to understand your specific cost is to get personalized quotes based on your business details — such as number of staff, revenue, vehicles, and services offered.
A specialist like Wexford Insurance can help you:
Compare personalized insurance quotes quickly
Identify the right coverage mix for your cleaning business
Bundle policies for savings and better value
Request your quote and budget confidently for 2026.
