Whether you’re providing routine home cleanings or commercial janitorial work, you put your time and hard work into every job. With cleaning business insurance from Berxi, you can protect your business, your finances, and your equipment — with coverage that fits the way you work.
Cleaning business insurance refers to general liability insurance, which helps protect residential and commercial cleaning professionals from common risks that can arise while working on a client’s property. It covers third-party claims involving:
In addition, business personal property insurance helps cover the costs of repairing or replacing your equipment, tools, and supplies if they’re damaged or lost. You can add optional business personal property coverage to your Berxi general liability insurance policy.
All cleaning businesses and professionals can benefit from cleaning insurance, including:
Cleaning liability insurance isn’t just essential for protecting your business: many clients, landlords, and property managers require proof of insurance before hiring you, making coverage an important part of growing your cleaning business.
Berxi offers general liability insurance for cleaning businesses and professionals, and you can add optional business personal property coverage to your general liability policy to help protect your equipment and other business assets.
General liability insurance covers claims of third-party bodily injury and property damage related to your cleaning business. It also covers personal and advertising injury, including claims involving libel, slander, and certain copyright infringement in your marketing materials.
Examples include:
These types of claims happen unexpectedly, and the costs can add up quickly. That’s where general liability insurance comes in: it helps cover the cost of medical bills, repairs, attorneys’ fees, and legal settlements and damages.
You can add optional business personal property (BPP) coverage to your Berxi general liability policy to help protect the tools and equipment you need to do your job. BPP coverage can help pay to repair or replace your cleaning equipment, supplies, and other business assets if they’re damaged or lost. (Note that BPP generally doesn’t apply to normal wear and tear.)
Examples include:
If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can add optional workers’ comp coverage from one of our partners to your Berxi general liability policy by speaking with our in-house product specialist team.
If you use a vehicle for business purposes, commercial auto insurance can help cover costs related to accidents, vehicle damage, and certain liability claims. This coverage is especially important if you transport employees, cleaning supplies, and equipment between job sites.
A janitorial bond (also known as a cleaning service bond) is a type of fidelity bond. It protects customers from losses incurred as a result of theft by cleaning service employees. Some clients require house cleaning companies to have janitorial bonds before awarding contracts, making it a valuable way to build trust and credibility.
Professional liability insurance helps protect your cleaning business if a client claims your services caused them a financial loss. For example, it may help cover legal defense costs if you’re accused of failing to perform services as promised.
Berxi’s general liability insurance for cleaning businesses starts at $500/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, cleaning businesses and professionals who choose Berxi save an average of 15% vs. other insurance companies. The fastest way to find out how much you might pay for cleaning insurance is to get a quote.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15%.
You can visit our website to get a quote, buy a policy, update your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your work. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
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Che
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Giselle
“Berxi was recommended to me by a friend at another company. The quoting process was easy, and the price is better than anywhere I’ve found!”
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Jeremy
Yes, it’s a good idea for solo and independent house cleaners to have general liability insurance. Even if you’re the only person in your business, cleaning insurance can help protect you from the financial impact of third-party bodily injury, property damage, and other covered claims. Some homeowners, landlords, and property managers may also require proof of insurance before hiring you.
General liability insurance can help cover accidental damage to a client’s property if you’re found responsible for a covered incident. It can help pay to replace the damaged article and even pay for legal defense and settlement costs if you’re sued. Coverage may vary depending on the circumstances of the damage, so it’s important to review your coverage details carefully.
Yes, Berxi cleaning liability insurance covers both commercial and residential properties. Whether you clean private residences, offices, retail spaces, or other commercial properties, your coverage can apply to a variety of work environments. When you get a quote,
You can get your certificate of insurance one business day after purchasing your policy.
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