Cleaning Service Business Insurance

Running a cleaning service business can be incredibly rewarding. You may be providing essential services like maintaining school buildings, running a dry-cleaning business, or deep cleaning carpeting for local homeowners.

But like other small businesses, cleaning companies may face unique risks. From damaging a client’s property to fender benders while driving between jobs, accidents may occur no matter how prepared you are. That’s why looking into cleaning business insurance may benefit your operations.

At Infinity Insurance Agency, Inc. (IIA), we specialize in helping business owners find the right insurance for their needs and budget. If you own a small business, here are some things you may want to know about insurance for cleaning businesses and how IIA can help you.

Who needs cleaning business insurance?

If you own a business that provides cleaning or janitorial services, insurance may be crucial for preventing significant financial losses after a covered accident. Though sometimes referred to as cleaning business insurance, this is not a specific type of insurance at all; if you need to insure your operations, you typically will want a business insurance policy. Some common cleaning businesses that may benefit from a business insurance policy include:

• Commercial building cleaning companies
• Office cleaning services
• House cleaning and maid services
• Carpet cleaners
• Dry cleaning and laundry services

Whether you’re running a one-person operation or managing a crew of employees, having the right business insurance for your needs may help your operations avoid certain monetary losses.

Why do I need insurance for my cleaning business?

If you own a cleaning service business, an ordinary day for you may involve your team moving heavy equipment through an office or scrubbing carpets in an expensive home. Even with the best training and safety precautions, you may damage someone else’s property by accident.

Depending on your policy, business insurance may help cover liability claims and pay for legal expenses if you damage someone else’s property. Without insurance, certain accidents could cost you thousands of dollars and potentially put your business at risk. The right insurance for your needs and industry may help you navigate situations where you cause damage to a third-party.

How much does business insurance cost?

The cost of cleaning business insurance can vary widely based on your operations, the provider you choose, and how many employees you have. Some other key factors may include:

• The size of your business
• The types of services you provide
• If you operate work-related vehicles
• Your claims history
• Your location

If you’re worried about how expensive insurance may be, you can contact IIA. Our agents can walk you through your options and help you find coverage that aligns with your budget.