How much house cleaning insurance costs

The cheapest general liability price you'll see for a cleaner is $20.83 a month, and it's a floor: Simply Business's footnote calls it a 10th percentile, the price only about one policy in ten came in under. Its median is $42. At the other end, MoneyGeek models $112. Published prices come from three kinds of places: online brokers reporting what their own customers pay, insurers publishing their own averages, and one personal finance site that models quotes across every state. The typical figures run from about $38 to $112 a month, and the gap has reasons that tell you how to read your own quote.

Monthly cost by policy, every published source

All figures are monthly premiums. "Median" means half the businesses paid less and half paid more.

Policy	Insureon, house cleaning (median)	Insureon, all cleaning (median)	MoneyGeek, house cleaning (modeled average)	Simply Business, maid (median)
General liability	$51	$59	$112	$42
Workers' comp	$100	$114	$92 per employee	$132
Janitorial bond	$9	$9	$11 (all cleaning, outside benchmark)	Not listed
Commercial auto	$268	$250	$151 per vehicle	Not listed
Business owner's policy	$79	$81	Not modeled	Not listed
Commercial umbrella	$72	$76	$65 (all cleaning, outside benchmark)	Not listed
Tools and equipment	Not listed	Not listed	$23 (all cleaning, outside benchmark)	$27
Commercial property	Not listed	Not listed	$22	Not listed
Professional liability	Not listed	Not listed	$19 (all cleaning)	Not listed
Cyber	Not listed	Not listed	$82	Not listed

Simply Business's $42, $132 and $27 are the medians listed in the FAQ of its maid insurance page, which was last updated September 9, 2026. Its headline "from $20.83" for general liability is a different figure, a 10th percentile, explained below.

Sources: Insureon house cleaning costs, Insureon cleaning business costs, MoneyGeek cleaning cost report, Simply Business maid insurance.

In annual terms, Insureon's house cleaning medians are $608 for general liability, $1,204 for workers' comp, $112 for a janitorial bond, $945 for a BOP, $859 for an umbrella and $3,218 for commercial auto. Its sample general liability policy carries $1 million per occurrence and $2 million aggregate. MoneyGeek models maid services at the same $112 a month for general liability as house cleaning services.

Other published figures:

• Thimble says its general liability for cleaners averages $6 per hour to $38 per month. It sells by the job, month or year, and the same page covers janitors, carpet cleaners, window cleaners, pressure washers and car detailers alongside house cleaners.
• Insurance Canopy prices its house cleaning general liability from $39 a month or $425 a year. The same page mentions a $48 monthly average and a $520 national average without saying where they come from.
• The Hartford says its cleaning business customers paid about $1,553 a year, or about $129 a month, for a business owner's policy.
• NerdWallet reports general liability for janitorial businesses at about $750 a year and workers' comp at about $2,500, from data the online brokerage Coverdash gave it.
• The "Starting from $37.50" that Google shows for ERGO NEXT comes from its house cleaning page's structured data. It isn't in the visible page text and doesn't name a policy.

Why the sources disagree

Whose customers the number describes

Insureon says most of its cleaning customers have fewer than five employees, revenue from around $50,000 to more than $200,000, and five years or less in business. That's a solo cleaner or a small maid service, which is who this site is written for. House cleaning is also one of the cheaper cleaning trades to insure: Insureon's general liability median for pool cleaning is $95 a month, against $51 for house cleaning. That's why its all-cleaning figures sit a little higher. Add pressure washing, carpet cleaning or window cleaning and the price moves again, and each of those pages has its own published prices.

Modeled prices

MoneyGeek used quotes from 10 major insurers to model premiums in all 50 states and Washington, D.C., for standard profiles with one to four employees at industry-recommended limits. These are modeled figures, not policies anyone bought, and a modeled business with employees prices well above a median solo buyer. Its methodology note still refers to handyman businesses in places, which looks like a template carried over from another page, so read it as a model rather than a survey.

MoneyGeek's bundles use its all-cleaning averages, not the house cleaning ones. Its $293 "starter bundle" is exactly its general liability ($100), commercial auto ($182) and janitorial bond ($11) averages added together. MoneyGeek aims that bundle at startups and sole proprietors, but if you drive your own car, the commercial auto line may not apply. Insureon points people using a personal vehicle for work to hired and non-owned auto instead.

The low figures aren't typical prices

Simply Business headlines general liability "from $20.83" a month, and its footnote says displayed prices are calculated from the 10th percentile of relevant policies it sold between July and December 2025. A 10th percentile is the price that only about one policy in ten came in under. The same page lists $42 as a median monthly price, so $42 is its typical figure and $20.83 is a floor. Thimble's $38 is an average for policies that can be bought for a month at a time. Canopy's $39 is a starting price. Treat the $20.83 and the $39 as floors, not as what a typical buyer pays.

Different products, different trades

The Hartford's $1,553 is a business owner's policy, which bundles property coverage with general liability, so compare it with Insureon's $79 BOP median, not with general liability. The Hartford lists carpet, office and janitorial cleaners among the businesses its cleaning page serves. NerdWallet's Coverdash figures are for janitorial businesses.

Our take: if you work alone or run a small residential crew, Insureon's house cleaning medians are the closest benchmark. MoneyGeek's figures are a fair estimate of the heavier end, once you have employees and a van.

A $38 quote and a $95 quote can both be normal

Medians hide a wide range. Among cleaning businesses and independent contractors that buy through Insureon:

• General liability: 40% pay less than $50 a month and 79% pay less than $100.
• Workers' comp (commercial cleaning businesses): 45% pay less than $100 a month and 74% less than $200.
• Limits: 87% choose $1 million per occurrence and $2 million aggregate.

Before you compare quotes, check the limits and whether the cheaper one excludes damage to things you're handling. Thimble says its cleaning policy includes that coverage automatically; others need an endorsement. The care, custody and control guide explains why it matters for cleaners.

A bond is the cheapest line on the list

Insureon's median for a janitorial bond is $112 a year. SuretyBonds.com lists $125 a year for a $10,000 bond for five or fewer employees, Swift Bonds $140 a year for one to five employees at $10,000 (its text says about $132), and Insurance Canopy from $131 a year. MoneyGeek's outside benchmark is $11 a month. A bond is cheap partly because, per Insureon and most bond sellers, you repay the surety after a claim (BondsExpress says you don't); the bonded and insured page explains how that works and the janitorial bond page has every seller's price.

A first-year budget, built from the published figures

These tables add up published medians and averages. They are not quotes, and your price depends on your state, services and claims history.

Solo cleaner, own car, no employees

Line	Figure used	Per year
General liability, $1M/$2M	Insureon house cleaning median, $51 a month	$608
Janitorial bond	Insureon median, $9 a month	$112
Tools and equipment	MoneyGeek outside benchmark, $23 a month	$276
Subtotal	Sum of the three	$996
Workers' comp, optional	Insureon house cleaning median, $100 a month, not specific to solo owners	$1,204
Total with workers' comp	Sum of medians	$2,200

Using MoneyGeek's figures for the same first three lines gives $1,756 a year ($1,348 + $132 + $276). Insureon recommends workers' comp even for sole proprietors because health plans can deny claims for work injuries; the self-employed cleaner guide weighs that choice. If you drive your own car to jobs, Insureon calls hired and non-owned auto a must, but we found no published price for it on the pages we read.

Three-person crew: owner, two employees, one work van

Line	Figure used	Per year
General liability, $1M/$2M	Insureon house cleaning median	$608
Workers' comp	Insureon house cleaning median	$1,204
Commercial auto	Insureon house cleaning median (vehicle count not stated)	$3,218
Janitorial bond	Insureon median	$112
Tools and equipment	MoneyGeek outside benchmark	$276
Total	Sum of medians	$5,418 (about $452 a month)
Umbrella, if a client needs higher limits	Insureon house cleaning median	add $859

The same crew at MoneyGeek's modeled figures comes to $5,785 a year: general liability $1,348, workers' comp $2,220 (two employees at $1,110 each), one vehicle $1,809, bond $132 and tools $276.

The van is the biggest line: $3,218 of the $5,418 in the Insureon version. Insureon's workers' comp median is a policy median across its customers, while MoneyGeek prices each employee, so a crew with a bigger payroll should expect the higher end. For the umbrella line, Insureon gives the example of a client who wants $3 million of liability, met with $2 million of general liability plus a $1 million umbrella. State rules on when workers' comp becomes mandatory are in the workers' comp guide.

What moves your premium

Insureon lists the factors it sees for house cleaners: number of employees, location (disaster risk, foot traffic and crime), services, limits and deductibles, revenue, equipment value, claims history and years in business. On services, it says higher-risk work such as specialized glass or furniture cleaning costs more. Its all-cleaning page adds that commercial versus residential work changes the price.

Simply Business says cleaning large or luxury homes can cost more because the contents are worth more, and so can using industrial-grade acids or flammable solvents instead of household cleaners. It adds that revenue and payroll usually move the premium most.

What each policy covers is on the coverage page, and what each seller publishes is compared in the insurer comparison. What your state or your clients can require is on the requirements page. Startup costs beyond insurance are in the startup guide, and office accounts price differently, as janitorial insurance shows.

Keeping the bill down without creating a gap

• Quote the same limits and deductible everywhere. MoneyGeek's point: quotes with different limits are different products.
• Pay annually if you can. MoneyGeek says most insurers charge installment fees or higher effective rates on monthly plans, and Insurance Canopy says you can save up to 12% by paying for the year.
• List every service you do, including move-out cleans or anything with strong chemicals. A cheaper quote that leaves out part of your work is the one that fails at claim time.
• Check what's excluded before comparing prices, especially care, custody or control and lost keys. The lost key guide covers the second.
• If you clean part-time, Thimble sells general liability by the job or month, so you pay only for the periods you work.
• Review your policies at every renewal. MoneyGeek's example is a maid service that shrank from four cleaners to two and kept paying for four.