House Cleaning Business Insurance Quote: What You Need Before You Apply
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
Before applying for house cleaning business insurance, it’s important to gather all the necessary information. Providing complete and accurate details ensures you get fast, reliable quotes tailored to your business needs.
Insurance providers rely on this information to evaluate your risk and determine premiums, so being prepared saves time and avoids errors.
1. Business Identification Details
Your insurance provider needs to know the basics about your company:
Legal business name and structure (LLC, sole proprietorship, or corporation)
Business address and any additional service locations
Years in operation
Type of cleaning services offered (residential, commercial, specialized services)
Having this ready allows underwriters to properly classify your business.
2. Employee Information
If your cleaning business has staff, insurance providers require:
Number of employees and their job roles
Payroll information
Any subcontractors or independent cleaners you use
This information is essential for calculating workers’ compensation insurance and overall business liability exposure.
3. Coverage Requirements
Be clear about the policies and coverage limits you need, such as:
General Liability Insurance – Protects against property damage or accidents caused while cleaning clients’ homes.
Workers’ Compensation Insurance – Covers employee injuries on the job. Required if you have employees.
Commercial Auto Insurance – Covers vehicles used to transport cleaning supplies and equipment.
Tools and Equipment Coverage – protection for cleaning supplies and equipment
Providing your preferred coverage upfront helps insurers give an accurate quote quickly.
Insurance providers will ask about your previous policies:
Prior insurance providers and expiration dates
History of claims or losses in the past 3–5 years
Safety programs or risk mitigation strategies implemented in your business
A clean record or documented safety measures can often result in lower premiums.
5. Vehicle and Equipment Details
If your cleaning business uses vehicles or specialized equipment:
List each vehicle with year, make, and usage type
Provide information on drivers if company vehicles are used
List high-value cleaning tools, machines, or equipment
This ensures that your insurance quote accurately covers your assets.
Why Work With Wexford Insurance
Wexford Insurance helps cleaning businesses gather all required information and simplifies the quote process. They provide:
Fast, customized quotes based on your business needs
Guidance on the policies your business requires
Bundling options to reduce costs
Expert advice to stay compliant with insurance regulations
Request a house cleaning business insurance quote from Wexford Insurance today and ensure your business is fully protected.
