{"id":3458,"date":"2024-06-05T11:10:14","date_gmt":"2024-06-05T11:10:14","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=3458"},"modified":"2024-06-05T11:10:17","modified_gmt":"2024-06-05T11:10:17","slug":"cleaning-insurance-costs","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/cleaning-insurance-costs","title":{"rendered":"Cleaning business insurance costs explained"},"content":{"rendered":"\n

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The cleaning industry in the United States is huge. In 2022, findings from Grand View estimated its value at over $370 billion<\/strong><\/a>.<\/p>\n\n\n\n

They also anticipated that 80% of dual-income households would use a cleaning service in the coming years.<\/p>\n\n\n\n

Whether you\u2019re a domestic cleaner or a commercial cleaner, the size of the industry presents a lot of opportunity. And a lot of risk.<\/p>\n\n\n\n

With more growth comes more potential for accidents. Property damage, employee injuries, cyber-attacks\u2026<\/p>\n\n\n\n

That\u2019s where cleaning insurance comes in.<\/p>\n\n\n\n

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What insurance should I have as a domestic or commercial cleaner?<\/strong><\/h2>\n\n\n\n

Let\u2019s start with the basics before we talk about costs.<\/p>\n\n\n\n

Depending on what kind of cleaning business you run, the insurance you need can change.<\/p>\n\n\n\n

If you\u2019re a domestic cleaner and you work for yourself, you might only need cleaners\u2019 general liability insurance<\/a>. It protects you if you damage a client\u2019s property or they\u2019re injured while you\u2019re at their premises. And it\u2019s found to be your fault.<\/p>\n\n\n\n

So, that priceless broken vase or slip and fall won\u2019t end up cleaning you out.<\/p>\n\n\n\n

If you have any employees, you\u2019ll also need workers\u2019 compensation insurance<\/a>. Most states require it by law, but it\u2019s a good idea to have it anyway. If someone has an accident while they\u2019re working for you, it covers any lost wages, legal costs, and medical bills.<\/p>\n\n\n\n

Other types of insurance, like cyber insurance<\/a> or employment practices liability insurance<\/a>, might also be handy.<\/p>\n\n\n\n

Cyber insurance protects you if you\u2019re hit by a cyber-attack. It\u2019s especially useful if you store client data or take payments online.<\/p>\n\n\n\n

Employment practices liability insurance covers the cost of claims brought by your employees for issues like unfair dismissal, sexual harassment, and discrimination.<\/p>\n\n\n\n

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How much is cleaning insurance, and what affects its cost?<\/strong><\/h2>\n\n\n\n

Cleaning insurance costs will vary depending on the nature of your business. So, it\u2019s difficult to give an exact figure.<\/p>\n\n\n\n

Here are a few examples of things that can affect both domestic and commercial cleaning insurance costs:<\/p>\n\n\n\n