By the General Liability Guide Editorial Team. Our guides are verified against actual insurance carrier rate sheets and state industrial commissions.
Cleaning businesses have heighted risks of property damage and theft allegations. In 2026, clients are increasingly asking for "Bonded and Insured" status before booking.
What Does "Bonded" Mean?
A surety bond protects the client if one of your employees steals from them. It is different from insurance, which protects you from accidents. For cleaners, having both is a massive competitive advantage.
Average Monthly Cost
Most residential cleaners pay $35 - $65 per month for general liability. Commercial cleaners pay slightly more due to larger contract sizes and equipment risks.
Frequently Asked Questions
Standard General Liability might exclude "property in your care, custody, or control." Cleaners should add a 'Loss of Key' or 'Property of Others' rider.
About This Guide
This guide was researched and written by the General Liability Guide editorial team to help business owners navigate the complexities of commercial insurance. We use data from industry leaders and regulatory filings to provide the most accurate estimates possible.