Handyman · Cleaner · Landscaper (soon) · Contractor (soon)

What does general liability insurance cost for a cleaner?

If a property manager or office client asks for a certificate of insurance before you can clean on site, this page is for you. Plain ranges from published carrier data — not a quote.

Affiliate disclosure: The “get a quote” button currently opens a third-party insurer’s plain quote page (NEXT Insurance). We are not an insurer, agent, or broker. If we later add an affiliate link on SEO pages, we may earn a commission — that will be disclosed and will never appear on the paid-probe landing (program clause 3.2).

Typical GL cost (US cleaners)

~$42–$59 / month

Roughly $504–$705 per year for a standard general liability policy. House cleaning sits lower; higher-risk services (pool, pressure wash) sit higher.

Source	Published figure	Notes
Simply Business	$42 / month median	Janitor / cleaning customers who bought GL (Jul–Dec 2024 customer data on their janitorial cost page)
Insureon	$59 / month average ($705 / year)	$1M per occurrence / $2M aggregate; median of cleaning businesses who bought through Insureon (page updated Aug 28, 2026)

Sources: Simply Business — Janitorial insurance cost; Insureon — Cleaning business insurance cost. Figures are published averages/medians, not a quote for your business.

Risk type moves the number

Insureon also breaks out averages by cleaning subtype:

Service type	Avg GL / month	Avg / year
House cleaning	$51	$608
Cleaning businesses overall	$59	$705
Pool cleaning	$95	$1,143

Source: same Insureon cleaning cost page. Among Insureon cleaning GL buyers: 40% pay under $50/mo and 79% pay under $100/mo.

What usually moves the price

Higher-risk services (pool, pressure washing, industrial) cost more than residential house cleaning.
Employees raise exposure; many commercial clients also require a janitorial / employee-dishonesty bond (~$9/mo average on Insureon).
Annual revenue and how often you are on client property are common rating factors.
Most cleaning buyers on Insureon choose $1M / $2M limits — often what a COI request specifies.

Factors summarized from Insureon’s cleaning cost page (same link as above).

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