Cleaning

Cleaning

Cleaning

Learn what kind of coverage you need as a Cleaning. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Cleaning. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Cleaning. Ready for a quote? We'll help protect your practice quickly and simply.

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Why Does a Cleaning Need Insurance?

Cleaning work puts you in other people’s spaces, around expensive surfaces, keys, and chemicals. One slip, spill, or misunderstanding can turn into a claim. Insurance helps cover property damage, injuries, and the cost of defending your business.

What Does Cleaning Insurance Cover?

It can cover third party injuries, damage to a client’s property, and claims tied to your work. Many policies can also protect your equipment, vehicles, and income if a covered loss slows operations.

A client slips on a damp floor

You mop a lobby and place a sign, but a visitor steps onto the wet tile and falls. A liability claim can include medical bills, lost wages, and legal costs.
You mop a lobby and place a sign, but a visitor steps onto the wet tile and falls. A liability claim can include medical bills, lost wages, and legal costs.

You damage a high-end surface

A cleaner uses the wrong product on marble or hardwood and leaves permanent etching. Coverage can help pay for repair or replacement when a client demands reimbursement.
A cleaner uses the wrong product on marble or hardwood and leaves permanent etching. Coverage can help pay for repair or replacement when a client demands reimbursement.

Equipment disappears from a job site

Vacuums, extractors, or supplies are stolen from a vehicle or storage area while your crew is working. Property coverage may help replace essential gear so you can keep jobs on schedule.
Vacuums, extractors, or supplies are stolen from a vehicle or storage area while your crew is working. Property coverage may help replace essential gear so you can keep jobs on schedule.

Cleaning Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

What insurance do cleaning businesses typically need in California?

Most cleaning companies start with general liability because clients want protection against property damage and injuries. If you have employees, California generally requires workers’ compensation. Many businesses also add tools and equipment coverage, and commercial auto if you drive to job sites for work. The right mix depends on whether you clean homes, offices, medical spaces, or construction sites, and what your contracts require.

Does general liability cover damage caused by cleaning chemicals?

If a client says something went missing, am I covered?

Are independent contractors covered under my policy?

Do I need commercial auto if I use my personal car for jobs?

How much does cleaning insurance cost?

What insurance do cleaning businesses typically need in California?

Most cleaning companies start with general liability because clients want protection against property damage and injuries. If you have employees, California generally requires workers’ compensation. Many businesses also add tools and equipment coverage, and commercial auto if you drive to job sites for work. The right mix depends on whether you clean homes, offices, medical spaces, or construction sites, and what your contracts require.

Does general liability cover damage caused by cleaning chemicals?

If a client says something went missing, am I covered?

Are independent contractors covered under my policy?

Do I need commercial auto if I use my personal car for jobs?

How much does cleaning insurance cost?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.