How to Save Money on Cleaning Business Insurance Without Cutting Coverage

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

Running a cleaning business means balancing operating costs while staying properly insured. While it may be tempting to reduce coverage to save money, doing so can expose your business to costly risks. The smarter approach is finding ways to lower cleaning business insurance costs without sacrificing protection.

Below are proven strategies house cleaning companies can use to reduce insurance expenses while keeping full coverage in place.

Bundle Policies to Reduce Premiums

One of the most effective ways to save money is bundling multiple insurance policies with one provider. Many cleaning businesses combine:

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.
Business Property Insurance – Protects your office, cleaning supplies, and equipment

Bundling policies often results in lower premiums and simpler policy management, without reducing coverage levels.

Wexford Insurance — **REQUEST A FREE QUOTE**

Improve Safety and Risk Management

Insurance providers reward cleaning businesses that actively reduce risk. Implementing safety measures can lead to lower insurance rates over time, such as:

Employee safety training programs
Proper handling and storage of cleaning chemicals
Use of protective equipment
Clear job site procedures

Fewer claims signal lower risk, which helps keep insurance costs down.

Adjust Deductibles Strategically

Raising deductibles slightly can significantly reduce premiums while still maintaining strong coverage. This approach works best when your business has:

Consistent cash flow
Few past claims
Strong internal safety practices

A higher deductible means lower monthly premiums without removing essential protections.

Choose Coverage Limits Based on Actual Risk

Overinsuring can be just as costly as being underinsured. Reviewing coverage limits ensures you’re not paying for unnecessary protection. A professional insurance advisor can help you match your coverage to your business’s actual exposure.

Why Choose Wexford Insurance

Wexford Insurance specializes in cleaning business insurance and understands how to reduce costs without compromising coverage. They help house cleaning companies by: