Starting a cleaning business is an exciting step toward independence and financial growth. But before you pick up a mop or start advertising your services, there’s one essential thing you need to protect your business: insurance.
At Premium Insurance Group (PIG), we help small business owners—especially immigrants—understand and access the right coverage, step by step. If you’re wondering what insurance is required for your cleaning business, you’re in the right place.
1. Cleaning Business Insurance Starts with General Liability (Mandatory in Many Cases)
This is the first and most important coverage for cleaning companies.
Why it matters:
If a client claims you scratched their floors, broke an expensive item, or someone slips because of a wet surface you left behind, this policy can cover:
Property damage
Bodily injury
Legal defense and settlements
✅ It’s often required to sign contracts with homeowners, landlords, or commercial buildings.
2. Cleaning Business Insurance Must Include Workers’ Compensation (If You Have Employees)
Even if your team is small, the law in most U.S. states requires you to carry workers’ comp if you hire anyone—even part-time.
It covers:
Injuries on the job
Medical expenses
Lost wages
💡 In Massachusetts and many other states, paying workers “under the table” without this insurance can result in severe fines.
3. Bond Insurance (Sometimes Required to Get Jobs)
A janitorial bond or surety bond protects your clients if an employee steals or causes intentional damage.
Some commercial buildings and Airbnb managers require proof of this before hiring your company.
4. Commercial Auto Insurance
If you or your employees drive to jobs using a car or van for work, personal auto insurance won’t be enough.
Commercial auto insurance covers:
Accidents during work trips
Vehicle damage
Liability claims
5. Optional but Recommended: Inland Marine Insurance
This covers the tools and equipment you use for cleaning jobs—from vacuums and carpet extractors to window-washing gear—even while they’re in transit or at the client’s location.
Can I Get Business Insurance as an Immigrant?
Yes, you can. You don’t need a Social Security Number to get business insurance in the U.S. At PIG, we specialize in helping immigrants open and protect their businesses legally and effectively.
Real Talk from Our Experts at PIG
💬 Carol, co-founder of Premium Insurance Group, says:
“A lot of cleaning businesses lose jobs because they don’t have the right coverage—or they get sued and don’t even realize how unprotected they were. Insurance isn’t just paperwork. It’s peace of mind that allows you to grow your business with confidence.”
Get a Free Quote for Cleaning Business Insurance
Whether you’re just starting out or want to make sure your current policy is up to date, we’re here to help.
📞 Call us today or request your custom quote online — no obligation.
👉 Premium Insurance Group (PIG) – Security for all your dreams.
