Cleaning Business Insurance Cost
Pick a coverage to see the published median, type a quote to compare, and tick coverages to add up a yearly budget.
How to use the cleaning business insurance cost tool
- Under “Coverage”, choose a row of the published table: “General liability”, “Workers’ compensation”, “Business owner’s policy (BOP)”, “Commercial auto”, “Commercial umbrella” or “Janitorial bond”.
- Read “Published figure” for that row, per month and per year. Where the source states limits, they appear under “What the figure covers”. For example, general liability shows $1M per occurrence / $2M aggregate.
- If you have a quote, type it into “Your quote (optional)” and set “Quote is per” to month or year to match how the quote is written.
- Read “Your quote against it”, which shows how far the quote is above or below the published figure.
- Open “More options” if you want to add “Annual revenue (optional)” and “Employees (optional)”.
- In “More options”, tick the “Add to budget” boxes for the coverages you want counted.
- Read “Budget from the published figures”, “Share of revenue” and “Per employee”. The last two use the ticked budget total, not your quote.
- When more than one coverage is ticked, a note appears saying a sum of separate medians is a rough budget, not the price of a bundle.
Each row is calculated on its own. To compare a different coverage, choose another row and check its figure against the same quote, rather than mixing figures from different rows.
How much does cleaning business insurance cost per year?
The published figures are shown per year as well as per month. For example, general liability is $705 per year, and workers’ compensation is $1,364 per year. These are published medians from Insureon’s cleaning business insurance cost page, updated 12 October 2026, for its cleaning-business customers, most with fewer than five employees. The main table has six rows: general liability, workers’ compensation, business owner’s policy (BOP), commercial auto, commercial umbrella and janitorial bond. A second table lists two other general liability figures, for pool cleaning and house cleaning, and a third lists three published bundles by monthly price. Each row is separate, so compare one row at a time. The result is an estimate only; get quotes from a licensed insurer or agent.
What does a published median mean?
A median is the middle value when a set of results is sorted from lowest to highest. Half of the results sit above it and half below it. The page shows the source’s medians and does not add an estimate of its own. The source also publishes shares of customers, and the page shows those as well. For example, 40% of cleaning businesses and independent contractors buying general liability through Insureon pay less than $50 a month, and 79% pay less than $100 a month.
Why is a sum of separate figures not a bundle price?
Adding two published medians together gives a total of separate figures. It is not the price of a single policy that combines both coverages. The tool warns that one insurer pricing a bundle can differ from the sum, and that your own quotes decide. Use the coverage ticks under “More options” to build a rough budget, but do not treat the total as a quote.
How are the quote comparison, share of revenue and amount per employee worked out?
A quote typed per month is multiplied by 12 to give a yearly figure. The tool then compares it with the published yearly figure for the chosen row and states the gap as a percentage above or below. Share of revenue is the ticked budget total per year divided by the annual revenue you type. Amount per employee is that same yearly total divided by the number of employees you type. Each needs its own entry, and the budget uses the coverages you ticked.
Sources (checked 15 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| General liability | 2 coverage(s) added up from the published medians: $173 a month, $2,069 a year |
| General liability, quote $75 per month | Your quote of $75 a month ($900 a year) is 27.7% above the published median of $59 a month. |
| Workers' compensation, revenue $120,000 | 2 coverage(s) added up from the published medians: $173 a month, $2,069 a year |
| General liability, revenue $150,000 | 2 coverage(s) added up from the published medians: $173 a month, $2,069 a year |
Calculated by the tool above; open it with the same values to see each step.
How this tool works and where the numbers come from
The page shows published medians from one source, Insureon’s cleaning business cost page, and adds no estimate of its own. Your quote is converted to a yearly amount (monthly x 12) and compared with the published yearly figure as a percentage above or below; the optional budget adds the published medians of the coverages you tick, and share of revenue and amount per employee are that yearly total divided by the revenue or headcount you type.
Sources
Frequently asked questions
Is this tool free, and do I need to sign up?
Yes. The tool is free and needs no sign-up. Everything is calculated in your browser, and nothing is uploaded.
Does the page give me a price or a quote?
No. Every figure is a published median or range from Insureon. The page adds no estimate of its own and gives no quote. Quotes come from a licensed insurer or agent, and results here are an estimate only.
Why might my quote differ from the published figure?
The published figures are medians for Insureon’s cleaning-business customers, most with fewer than five employees. Your business, location, coverage limits and claims history may differ, so your quote can be above or below the median.
What is the difference between “per month” and “per year”?
Both describe the same cost over different periods. Choose the period your quote is written in. The page converts it to a yearly figure to compare with the published yearly median, and it shows the published figure per month and per year.
Does the page suggest a coverage, limit or insurer?
No. The page shows published figures and states how your quote compares with them. It does not name a coverage amount, limit or insurer to choose.
Do the figures apply to janitorial and house cleaning businesses?
The published figures are for the source’s cleaning-business customers. The janitorial bond is one of the six rows. The source also publishes a general liability figure for house cleaning, $51 a month and $608 a year, and for pool cleaning, $95 a month and $1,143 a year, in the “Other published figures” table.
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