Janitor & Cleaner Insurance
Liability coverage built and priced for cleaning work, from homes and offices to windows and carpets.
Backed by industry leaders
Why do janitors and cleaners need insurance?
You work in other people's homes and buildings, often after hours, with wet floors, cords, and equipment in every hallway. When someone slips or something gets damaged, Commercial General Liability is the policy that answers.
It can cover the claim and the legal defense. That's why property managers, offices, and many homeowners want your certificate on file before you start.
What does cleaning business insurance cover?
01 / 04What makes Foxquilt's cleaning business insurance different?
Multiple trades? No problem
Office cleaning plus carpets or windows on the side? Tell us the split and we price your real business.
Completely digital, start to finish
Quote and buy from your phone, between shifts, or after the last building of the night. Do it on your own or with our team.
Certificates when you need them
Your COI is emailed the moment you buy. Need one naming the property manager or client? No problem, we can get that sorted for you.
Foxquilt's cleaning business insurance is built for…
Don't see your specialty? We write Commercial General Liability for over 500 professions.
Answers in, certificate out.
Every trade you work, on one policy.
Tell us about your business and our platform does the work of building you a policy that matches. It's quick, digital, and comprehensive.
A real price you can buy on the spot.
Your quote is priced instantly with the limits your contracts ask for. Choose a payment plan that works for you and pay online to put the coverage in force.
Certificates and policy docs, straight to your inbox.
Your COI and policy documents are emailed the moment you buy, so the property manager has proof of insurance before your first shift.
What other coverages do cleaning businesses need?
Errors & Omissions
For the design, spec, and consulting side of your work: claims of financial loss caused by the advice or service you provided. With Foxquilt, you can hold CGL and E&O together.
See E&O Coverage →Can cover your own equipment: the floor machines, carpet extractors, vacuums, and the supplies in your vehicle. CGL only covers other people's property, so this is the other half of the pair.
Learn More→Can cover the cars and vans you drive between clients. Your personal auto policy very likely excludes business use.
Learn More→Can cover medical care and lost wages when an employee is hurt on the job, like a slip on a wet floor or a back strain lifting equipment. Required in most U.S. states the moment you hire your first employee.
Learn More→Can cover a breach of client data, a ransomware lock-out on your booking software, or a payment wired to a fraudster.
Learn More→It depends on the cleaning you do (homes, offices, or specialty work like carpets and windows), your revenue, and where you work. The quote you see online is the real price, not an estimate we revise later.
No. Commercial General Liability can cover injuries and damage to other people's property, not theft. Many commercial clients ask cleaners for a janitorial bond, which is a separate product. Our team can assist with this and support you with a bond provider.
Depending on where your business is located and the work that you do, coverage limits available to you range from $1,000,000 to $5,000,000.
Your first COI is emailed the moment your payment clears. After that you can issue a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Yep. Add each profession during the application and assign a rough percentage of your work to each. We rate the blend, so a cleaner who mostly does offices isn't priced as though every job were a carpet extraction.
Usually, yes. A homeowner's policy won't respond to a business claim, and a solo cleaner faces the same slip-and-fall claims a larger crew does. Most property managers and offices require it in writing before you start.
Yes. Pay the annual premium up front, or spread it across monthly instalments at checkout. Either way coverage starts as soon as the first payment is confirmed.
What real small business owners say after choosing Foxquilt.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your cleaning business quote in under ten minutes.
Answer a few questions about your cleaning work and get your certificate straight to your inbox today.