Best cleaning business insurance: nine sellers, compared from their own pages

Search for the best cleaning business insurance and you get the same names in a different order. This page claims less and checks more. For each company it gives what its own cleaning page claims, what price it publishes and whose price that is, how you buy, and one question to ask before you pay. Where a company publishes no premium for cleaners, that's stated, and no company is ranked above another, because nothing published would justify it.

Read in September 2026. The biBERK and Progressive pages blocked our fetcher, so we read archived copies from August and September 2026; any change since then isn't reflected here.

The comparison at a glance

Seller	Type	Published price for cleaners	How you buy
Insureon	Broker	Median GL $51 a month for house cleaners who buy through it	Online application, compare quotes, licensed agents
The Hartford	Insurer	About $1,553 a year for a BOP, average of its cleaning customers; no GL price	Online quote or an agent
ERGO NEXT	Agency	None in the visible text	Online in about 10 minutes, monthly or annual
Thimble	Direct seller	GL averages $6 an hour to $38 a month (Thimble's average)	By the hour, day, month or year
Simply Business	Broker	GL "from $20.83" a month (10th percentile of its sales); $42 listed as a median	Multiple quotes in one application
Hiscox	Insurer	None	Online quote or phone agents; monthly payments
biBERK	Insurer	None	Online quote and purchase
Progressive Commercial	Insurer	None	Online quote, phone or an agent
Insurance Canopy	Agency	GL from $39 a month or $425 a year (Canopy's starting price)	Online quote; monthly or annual plan

Prices in that column are not comparable with each other. Insureon reports medians of what its customers bought, Thimble an average across its cleaners, Simply Business and Canopy starting prices, and The Hartford a different policy altogether. The cost page explains how to read them.

Insureon: the carrier behind your quote decides the answer

Insureon is a broker, so the policy behind your quote comes from a carrier it picks. Its house cleaner page lists general liability, janitorial bonds, workers' comp, commercial auto, a BOP and an umbrella, and mentions lost key coverage and bailee insurance. Its house cleaning cost page gives medians of what its customers pay: $51 a month for general liability, $100 for workers' comp, $268 for commercial auto, $79 for a BOP and $9 for a bond. It says most of those customers have fewer than five employees.

You apply once, compare quotes and pay online, and Insureon says licensed agents work with top-rated insurers. A bond is added by talking to an agent after the application.

Ask: "Which carrier is behind this quote, and does its general liability form exclude property in my care, custody or control?" The answer changes with the carrier.

The Hartford: a BOP average, no liability price

The Hartford's cleaning page, updated April 2026, covers general liability, a BOP, workers' comp, commercial auto and umbrella. It publishes no general liability price. Its one figure is that its cleaning customers paid about $1,553 a year, or $129 a month, for a BOP. That is an average of what its own customers paid, and a BOP is a bigger product than the $51 general liability policy the broker medians describe.

The page's example is a carpet cleaner whose equipment damages the carpet being treated, where it says general liability can help pay to fix the damage. Other pages we read say that situation may be excluded.

Ask: "What does the form say about damage to the thing I'm cleaning?" Get the wording, not the page.

ERGO NEXT: no premium in the page text

NEXT is now ERGO NEXT, part of ERGO Group, a Munich Re company. Its house cleaning page lists general liability, workers' comp, commercial auto and tools and equipment, which it sells as an add-on to general liability. It shows three plan levels with different limits: general liability of $300,000 per occurrence on Basic and $1 million on Pro and Pro Plus. You buy online in about 10 minutes, pay monthly or annually, and get certificates of insurance free.

There is no premium in the visible text. Google shows "Starting from $37.50" for this page, and that number sits only in the page's structured data. The page's footnote says starting prices are representations of active policies as of April 1, 2026, not guarantees.

Ask which plan level the quote is for. A $300,000 per-occurrence limit is below the $1 million that the condo building in our certificate guide asks vendors for.

Thimble: the only seller that says care cover is automatic

Thimble sells by the hour, day, month or year and says its general liability for cleaners averages $6 an hour to $38 a month. A certificate arrives by email at purchase, even for a policy that starts later, and you can add additional insureds in its app.

Thimble is the only seller here that says outright that its cleaning policy covers items in your care. Its care, custody and control page says Thimble's cleaning policy automatically comes with this coverage. The same page warns that damage from an error in your work is often not insurable. Whether the automatic cover has a sublimit isn't on the pages we read.

Before you pay, ask: "Is there a sublimit on the care, custody and control coverage, and does it apply to a surface I damage, like marble, or only to an item I'm holding?" More on that gap in the care, custody and control guide.

Simply Business: the most direct about the marble gap

Simply Business is a broker that promises multiple quotes in one application. Its maid insurance page headlines general liability "from $20.83" a month, and its footnote says displayed prices are calculated from the 10th percentile of policies it sold from July to December 2025. The same page lists median monthly prices of $42 for general liability, $132 for workers' comp and $27 for contractor's equipment.

It's also the seller most direct about the gap: it says using the wrong chemical on marble often falls under professional liability or a care, custody or control endorsement. Elsewhere on the page it says your policy should cover a vase you knock over while dusting.

Ask them: "Does the carrier you found cover damage from the product I use on the surface, or is that professional liability?"

Hiscox: no premium, and a line from another trade

Hiscox's cleaning page describes general liability for cleaners and gives no premium. It offers monthly payments with no additional fees, a dedicated claims representative when a covered claim is reported, and a phone line to a licensed agent, in addition to an online quote. Its listed benefits include coverage for contracts, and that line refers to architects insurance, not cleaning, which reads like copy carried over from another page.

Ask: "Can your certificate carry the additional insured and waiver of subrogation wording my client's contract asks for?" The page doesn't say.

biBERK: buy online, no premium published

biBERK, part of the Berkshire Hathaway group, sells general liability, workers' comp, a BOP, commercial auto, umbrella and cyber for cleaning companies. It says you can buy online and download certificates yourself, that coverage can start as early as the next day in most cases, and that savings run up to 20%. It publishes no premium.

Its page says general liability can cover damage to clients' property, like staining carpet or furniture, and lists hired and non-owned auto liability as an endorsement you can add to general liability. It says subcontractors are typically required to carry their own liability insurance.

Ask: "Is hired and non-owned auto on this quote, and does the stained-carpet cover apply when I'm treating the carpet?"

Progressive Commercial: a shampooed-rug example, no premium

Progressive's cleaning page covers general liability, a BOP, commercial auto, inland marine, workers' comp and cyber, and publishes no premium. It lists the rating factors instead: location, time in business, claims history, coverage choices, special equipment, number of employees, miles traveled and limits. You can quote online, call or find an agent.

Its example is a client who asks you to shampoo a rug and your machine rips it, where it says general liability coverage can pay to replace or repair the furnishing.

Ask: "Is that rug example covered on this form, and is there a care, custody or control exclusion?"

Insurance Canopy: the most detail on limits

Insurance Canopy's house cleaning page publishes the most detail on limits: $1 million each occurrence, $2 million general aggregate, $1 million personal and advertising injury, $100,000 damage to rented premises and $5,000 medical expense. It starts at $39 a month, or $425 a year, with up to 12% off for paying annually, and it lists a janitorial bond from $131 a year. The same page says house cleaners pay about $48 a month on average and quotes a $520 national annual average without saying where either number comes from.

The page describes no care, custody or control coverage, and it mentions tools and equipment as an option.

Ask: "Does this policy or an endorsement cover property in my care, and what does it add?"

Not covered here

CoverWallet's old cleaning page redirects to an Aon affinity page, so we left it out. We didn't compare Coverdash, the broker Housecall Pro points to, or any regional agency. If you find one that publishes a price, the same test applies: whose customers, and which policy.

One question to send every seller, in writing

Ask every seller the same question in writing, whatever the price: "If I damage the rug I'm shampooing, the counter I'm wiping or a vase I've picked up, does this policy pay?" Only Thimble answered part of it on its page. Then match how you buy to how you work. A cleaner with a handful of jobs a month can price Thimble's by-the-job cover against a monthly policy. A cleaner whose client wants $1 million limits and a certificate naming a condo board needs a quote at Pro-level limits, wherever it comes from.

What each policy costs is on the cost page, what each one pays is on the coverage page, and the general liability gaps are on the general liability page. A solo cleaner should also read the self-employed cleaner guide.