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What is cleaning insurance?

Cleaning insurance is a policy that protects cleaning businesses – whether they are a solo cleaner or a large agency that employs hundreds of cleaners – from various potential risks, including lawsuits, equipment damage and injury.

Most professional cleaning services are contractually obligated to have insurance. However, if you, as a professional cleaning business, have managed to somehow dodge this bullet, then consider purchasing it for the simple reason of needing to protect your business and its assets.

Something as simple as equipment breakdown can cost you thousands of dollars in lost revenue – not to mention replacement and repairs costs. Insurance will help you avoid sudden losses. Yes, you have to invest in insurance before it can help you – meaning you’ll lose money – but comparatively speaking, it’s a small loss, and it’s one you can control.

What cleaning insurance includes

A typical cleaning insurance policy should include the following coverages:

• General liability: This should cover any expenses related to bodily injury and property damage caused by your company’s work. For instance, if someone trips over your vacuum cleaner or slips and falls on the wet floor because you haven’t put a ‘wet floor’ sign, they might decide to sue you. This coverage will protect you.
• Professional liability: Whether you try your best or not, your client might accuse you of not doing a good enough job and perhaps even sue you. Professional liability coverage is meant to protect from such incidents to make sure your business doesn’t suffer big financial losses.
• Commercial property insurance: Protects your business equipment and property. Whether it's your cleaning supplies or office space, this coverage ensures you're not left out of pocket if they get damaged or stolen.

Recommended add-ons for cleaning insurance coverage

While the basics are essential, some add-ons can provide additional protection:

• Workers’ compensation insurance: Covers medical expenses and lost wages for employees who get injured while working. This not only protects your employees but also shields your business from potential lawsuits.
• Commercial auto insurance: Is crucial if you use vehicles for your cleaning business. It covers damages and liabilities if your vehicle is involved in an accident.
• Inland marine insurance: Covers equipment and tools during transit. If you frequently transport your cleaning equipment, this add-on is worth considering.

Common types of cleaning insurance claims

Understanding the common types of claims can help you better prepare and avoid them whenever possible.

• Property damage: Is one of the most frequent claims. Accidents happen, and sometimes they result in broken items or damaged property.
• Bodily injury: Claims occur when someone gets injured due to your cleaning activities. Wet floors, misplaced equipment, or even cleaning chemicals can lead to such claims.
• Professional negligence: Claims arise if clients believe your services were inadequate or caused harm. This could be due to improper cleaning methods or missing crucial cleaning tasks.

How much does cleaning insurance cost?

The cost of cleaning insurance varies based on several factors:

Business size and revenue: Play a significant role. Larger businesses with more revenue typically face higher premiums due to increased risk exposure.

Type of services offered: Affects the cost. Specialized cleaning services, like hazardous material cleanup, may attract higher premiums.

Number of employees: Is another factor. More employees means a higher risk of claims, impacting your insurance costs.

On average, small cleaning businesses can expect to pay between $400 to $700 annually for basic coverage. However, this cost can vary significantly based on the factors mentioned above.

How to get the cheapest cleaning insurance rates?

Finding the cheapest insurance rates requires a strategic approach. Here are some tips to help you secure the best deals:

• Shop around: Don't settle for the first quote you receive. Compare rates from multiple insurers to find the best coverage at the most affordable price. Online comparison tools can simplify this process.
• Bundle policies: Many insurers offer discounts if you bundle multiple policies together. Consider purchasing general liability, property and workers' compensation insurance from the same provider to save on premiums.
• Increase deductibles: Opting for higher deductibles can lower your premium costs. Just ensure that you can afford the deductible amount in case of a claim.
• Implement safety measures: Insurers often provide discounts to businesses that implement robust safety measures. Regularly inspect your facilities, train your staff, and maintain detailed records to demonstrate your commitment to safety.

Cleaning insurance in Canada: What you need to know

In Canada, cleaning insurance is not just a good idea—it's often a requirement. Many clients and commercial contracts require proof of insurance before allowing cleaners to work on their premises. Here's what you need to know:

Provincial regulations: Can influence the type of insurance you need. Different provinces may have unique requirements or recommendations, so it's essential to stay informed about local laws.

Tax deductions: For insurance premiums could be available. Consult with a tax professional to understand how your insurance premiums might reduce your taxable income.

Having comprehensive cleaning insurance not only protects your business but also enhances your credibility. Clients feel more secure hiring insured cleaners, knowing they're protected in case something goes wrong.