Best Cleaning Business Insurance Companies for 2023
Nathan Weller is an Insurance Expert focusing on insurance for small business. He has 15 years experience in insurance operations, FNOL, and claims handling.
The best cleaning insurance companies offer convenience for quoting and policy management, 24/7 services when you need it, and a strong liability policy. After surveying nearly a dozen leading providers by using our proprietary rubric focusing on financial stability, customer satisfaction, convenience, and policies offered, we’ve determined that these are the six best cleaning business insurance companies:
- The Hartford: Best overall for cleaning business insurance
- Next Insurance: Best for claim management
- Thimble: Best for new businesses
- Chubb: Best for business owner’s policy
- CoverWallet: Best for multiple quotes
- Insurance Canopy: Best for affordability
Best Cleaning Business Insurance Companies Compared
Company | Quote Process | Availability | Instant Certificate of Insurance | Financial Rating |
|---|---|---|---|---|
Online or through agent | 24/7 call center | ✓ | A+ (Superior) | |
Online | Monday to Friday, 8 a.m. to 5 p.m., Central time | ✓ | A- (Excellent) | |
Online or through app | Monday to Friday, 9 a.m. to 6 p.m., Eastern time | ✓ | A (Excellent) | |
Contact a local agent | 24/7 call center | ✕ | A++ (Superior) | |
Online | Monday to Friday, 8 a.m. to 8 p.m. ET Saturday, 9:30 a.m. to 1:30 p.m. ET | ✓ | A (Excellent) | |
Online | Monday to Friday, 8 a.m. to 8 p.m. ET | ✓ | A- (Excellent) and A+ (Superior) |
The Hartford: Best Overall for Cleaning Business Insurance
Overall Score:
4.25 / 5
What We Like
- Quick, online quote
- Experienced provider
- Financial strength
What's Missing
- No mobile application for commercial customers
Deciding Factors
- Independent agents: To help you with your policy
- Online portal: Access to policy documents instantly
- Over a million: Number of small businesses insured
- Multiple averages: Available depending on the size of your business
The Hartford is our best overall provider for cleaning business insurance. It scored the highest because of its strong financial position, high customer satisfaction scores, convenient online options, and the variety of policies it offers.
Cost & Coverage
While The Hartford provides online quotes, we couldn’t get one for this review. To request a quote, you can also call and speak with an agent. Customers pay about $88 monthly for a general liability policy.
The Hartford offers a wide variety of policies for your cleaning business. It provides general liability for cleaning businesses, covering property damage, bodily injury, and personal injury, such as slander. If you have any property you wish to insure, it offers a business owner’s policy (BOP) that combines property with liability. Additional policies, such as auto and umbrella, are also available.
Customer Satisfaction & Convenience
The Hartford has lower-than-average complaints with the National Association of Insurance Commissioners (NAIC). It also placed third in J.D. Power’s Independent Agent Satisfaction Survey for 2022, meaning independent agents prefer working with The Hartford.
It has a great digital experience for insurance: online quotes, online policy management, and instant certificates of insurance (COI). When you visit its cleaning services landing page, there’s a simple three-question quiz to help you determine which coverage is right for your business.
Financial Stability
With more than 1 million small business customers, The Hartford has proven financial strength. AM Best’s rating for it is A+ (Superior).
Next Insurance: Best for Claim Management
Overall Score:
4 / 5
What We Like
- Quick, online quote
- Instant access to policy
- 24/7 claims services
What's Missing
- No 24/7 call center
Deciding Factors
- Independent agents: To help you with your policy
- Online portal: Access to policy documents instantly
- Financial strength: Excellent financial rating
- In-house claims: Claims are handled directly by Next Insurance
Next Insurance has done a lot to emphasize a convenient claim experience and is thus our pick as the best provider for claim management. Many new insurance startups don’t handle their claims and instead use a third-party administrator. Next, however, has an in-house claims team. It’s also committed to 48-hour decisions on claims and has developed a mobile app that allows you to file a claim and check the claim status.
Cost & Coverage
Next has three levels of insurance for cleaning businesses—Basic, Premier, and Deluxe—and we received quotes for each. The difference among each tier came down to whether there was coverage for your tools and equipment and how much coverage was available.
- The Basic tier was liability-only, with a $2 million aggregate limit and a cost of $210.17 monthly.
- The Premier tier’s quote had the same level of liability but included $5,000 for tools and equipment and cost $250.59 monthly.
- The Deluxe tier had the same liability limit but included $10,000 for tools and $10,000 for office space property, costing $337.59 monthly.
Customer Satisfaction & Convenience
Overall, Next has lower than the national average complaints with the NAIC.
An insurtech company, Next has put the digital experience at the forefront. You can do everything via the website and the app: get a quote, buy and manage a policy, file a claim, and get instant COIs. Adding an insured to your policy is also quick and easy, and no matter how many you add, it doesn’t cost anything.
Financial Stability
AM Best has given an A- (Excellent) rating to Next.
Thimble: Best for New Businesses
Overall Score:
3.75 / 5
What We Like
- Flexible policy terms
- Easy-to-use website
- Affordable policies
What's Missing
- No 24/7 call center
- No in-house claims department
Deciding Factors
- App: To manage policy and claims easily
- Short-term: Liability coverage available
- Instant COI: Available in 60 seconds
- Coverage and exclusions: Clearly listed
Unlike other insurers, Thimble doesn’t review information on when the business was founded, previous years’ revenue, years of experience, and payroll. This makes it an ideal provider if your cleaning business is brand-new. Its model is to partner with new businesses, including offering short-term liability. You can upgrade policies as the business grows.
Cost & Coverage
We were provided a quote for $196.10 monthly, with $392.20 due on the first day. This coverage was for a BOP that included $1 million in total liability, $100,000 in property for a building, $5,000 for the contents, and $2,500 for equipment.
Customer Satisfaction & Convenience
Since Thimble is a managing general agent (MGA), there are no complaints with the NAIC. On Trustpilot, Thimble has 4.6 stars with more than 1,000 reviews.
It offers short-term liability so that you can conveniently get insurance by the hour, day, or month. Quotes are available online or on its mobile app, which is available on both iOS and Android devices. You can also manage your policy and get instant COIs online or through the app.
Financial Stability
As an MGA, Thimble’s policies are through several providers: Benchmark Insurance, Employee Insurance Group, Markel Insurance, National State Insurance, and Spinnaker. AM Best ratings range from A- to A.
Chubb: Best for BOP
Overall Score:
3.75 / 5
What We Like
- Customizable policies
- 24-hour claims response
- Financial strength
What's Missing
- No mobile application for commercial customers
Deciding Factors
- Independent agents: To help you with your policy
- Online portal: Access to policy documents instantly
- Customer satisfaction: Ranked #2 by J.D. Power for customer satisfaction
- In-house claims: Claims are handled directly by Chubb
Cleaning companies should have liability, but if they operate an actual store or use a lot of equipment, they’re going to need property coverage, too, and should thus consider a BOP. Chubb has developed a BOP that’s highly customizable with more than 10 coverage enhancements available, making it ideal for cleaning businesses needing liability and property coverage.
Cost & Coverage
To get a quote, you need to speak directly with Chubb or an independent agent.
Cutomarq, Chubb’s small business policy package, comes with an automatic blanket limit of insurance for property coverages—meaning, the limit isn’t tied to specific items listed on the policy.
Suppose your cleaning business has a lot of equipment or does a lot of online business. In that case, the BOP by Chubb has optional enhancements such as privacy and data breach, electronic data liability, and equipment breakdown.
Customer Satisfaction & Convenience
Chubb’s complaints are lower than the national average, and the company is #2 on the 2022 J.D. Power Customer Satisfaction Survey.
It offers online policy management and a 24/7 call center for claims. Unfortunately, most coverages don’t have online quotes, and the process for obtaining a COI was unclear.
Financial Stability
As a global, well-established company, Chubb has a rating of A++ (Superior) from AM Best.
CoverWallet: Best for Multiple Quotes
Overall Score:
3.5 / 5
What We Like
- Instant COI
- Ease of use
- Support services
What's Missing
- Unavailable 24/7
- Claim filing process
Deciding Factors
- Online quotes: Available online
- Purchase policy online: After obtaining a quick quote
- One-stop shop: For insurance from different providers
- Dedicated agent: To help you manage your policy
When looking for insurance, it helps to compare multiple quotes from top-rated carriers—and CoverWallet provides just that as an online insurance broker. Thus, it’s our pick as the best provider for cleaning businesses needing multiple quotes.
Cost & Coverage
After answering a few questions, we received three quotes from Chubb, Liberty Mutual, and Hiscox. Liberty Mutual provided the broadest coverage of the three, with inland marine coverage for your cleaning equipment and the option for additional blanket insureds to be added.
Customer Satisfaction & Convenience
In addition to providing multiple quotes within 10 minutes, CoverWallet offers policy financing options. The policy is paid in full for a year by CoverWallet, and then you work out a plan with the provider to pay it directly.
It also has a self-service Wallet to manage your policy, including documents and access to certificates of liability.
Financial Stability
CoverWallet is owned by Aon, rated A (Excellent) by AM Best.
Insurance Canopy: Best Provider for Affordability
Overall Score:
3.5 / 5
What We Like
- Quick, online quote
- Instant access to policy
- Broad industry coverage
What's Missing
- Unavailable 24/7
- Does not handle claims directly
Deciding Factors
- Online portal: Access to policy documents instantly
- Understandable language: Policy coverage is clearly explained
- Affordable: Price tiers are all affordable
- Additional insureds: Can be added instantly
Of all the providers we evaluated, Insurance Canopy is the most affordable option. It offers three tiers of coverage, starting at $27 monthly. The low cost, however, doesn’t translate to less quality, as the services are comparable with the larger legacy carriers.
Cost & Coverage
We received a quote for cleaning business insurance for $63.08 monthly. This was for a policy that included liability and property coverage. It had $1 million per occurrence, $2 million aggregate liability coverage, $5,000 for equipment coverage, and $10,000 for tools coverage. The property had a deductible of only $250.
Exclusions are clearly explained during the quoting process.
Customer Satisfaction & Convenience
The quoting process is quick and easy: answer a few questions and, in less than 10 minutes, you get a quote and purchase coverage.
While it only has weekday availability, you have 24/7 online access to your policy and COIs. Through the dashboard, you can also file a claim.
Financial Stability
Insurance Canopy partners with three carriers: Great American Insurance Group, Canopius, and Fortegra. AM Best rated Fortegra and Canopius A- (Excellent) and Great American A+ (Superior).
Methodology
We determined which insurance companies would be the best for your cleaning business through our in-house proprietary evaluation system. In our evaluation, we focused on the customer’s needs. We also paid particular interest to convenience, financial ratings (AM Best), customer service, types of policies offered, and the overall experience as a policyholder for a specific provider.
Most people only care about insurance when they need it. We wanted to ensure that we recommend something that, should that moment come, you’ll feel comfortable with purchasing.
Bottom Line
Cleaning business insurance combines policies that protect your business from negligence claims and safeguard your assets from named perils. When it comes to the best janitorial insurance companies, The Hartford is the best overall.
