Cleaning · Insurance
Cleaning business insurance: what the providers actually publish
Of the 4 providers whose cleaning pages we set out to read on September 6, 2026, 3 could be read and 1 sits behind a bot check. All three sell the insured half of what clients ask for. None of them sells the bond, which is a different arrangement entirely.
This page is a reading of what each provider publishes about cleaning work, on the dates shown. Clients ask for licensed, bonded and insured as one phrase, and these pages answer one third of it.
The facts, provider by provider
What each published page says, in its own words. Every cell carries its source and the date it was read.
| Provider | Its page lists | Sold separately | Published price |
|---|---|---|---|
ThimbleThimble's general liability insurance for cleaning companies helps entrepreneurs protect and grow their businesses. It's fast, flexible, and affordable, allowing you to put your hard-earned cash to work. | the financial consequences of third party bodily injurythimble.com · read 2026-09-06 | Its page names no separate exclusions.thimble.com · read 2026-09-06 | [TO VERIFY] its page publishes no price for this trade, so there is none to quote. |
Simply BusinessCould help cover accidental damage, like a broken vase or a client's slip | general liability for third party accidents, property damage and bodily injurysimplybusiness.com · read 2026-09-06 | contractor's equipment and small tools, sold separately as inland marinesimplybusiness.com · read 2026-09-06 | Essential protection $20.83/monthGeneral liability $20.75/monthWorkers' compensation $38.91/monthsimplybusiness.com · read 2026-09-06 |
ERGO NEXT InsuranceProperty damage expenses: If you or an employee damage a client's property while you're cleaning. | general liability; workers' compensation; tools and equipment; commercial autonextinsurance.com · read 2026-09-06 | Its page names no separate exclusions.nextinsurance.com · read 2026-09-06 | [TO VERIFY] its page publishes no price for this trade, so there is none to quote. |
| Hiscox | [TO VERIFY] its page serves an automated security check that did not clear, attempted 2026-09-06. | [TO VERIFY] not read, so it is absent rather than assumed. | [TO VERIFY] not read. |
The gap list
What the online policy does not do
None of these pages sells the bond
A bond is a three party arrangement in which the business indemnifies the surety, which is the opposite of how a policy works. It is a separate purchase from a separate kind of company.
Theft by an employee is the classic bond claim, not a liability claim
The exposure clients are usually thinking of when they ask for bonded is dishonesty, and that is what a bond addresses rather than a liability policy.
Your own equipment is a separate line on the page that prices it
The provider that publishes figures lists contractor's equipment and small tools as its own product at its own monthly price.
One of the four pages could not be read at all
That cell is marked unverified rather than filled with what a comparable provider says.
Every line here comes from the providers' own pages or from the standard forms, with the date each was read.
The starter checklist, by trade and state
Every licensing, tax and renewal line for your trade, with the official source and the date it was read on each one. Contractor licensing verified in CA, NV, AZ, FL and TX, across the 7 trades of this site. Not 50 states: the ones we have not read are absent rather than estimated.
See what the checklist coversCommon questions
Does any of these cover the bonded part?
No. All three pages we read sell liability cover, which is the insured half of the phrase. A bond comes from a surety and works the other way around: the business indemnifies the surety after a claim is paid.
What do these policies pay for?
Accidental damage inside a customer's home, injury to someone who is not an employee, and the cost of defending a claim. One page names a broken vase and a client's slip as its own examples.
How much does cleaning business insurance cost?
One provider publishes its starting figures for the trade: essential protection from $20.83 a month and general liability from $20.75. Those are its own published numbers, read on September 6, 2026.
Why is one provider missing from the table?
Its site serves an automated security check that does not clear on a normal page load, so we could not read what it publishes. The cell says so with the date we tried.
How this page is sourced
Each row is a reading of the provider's own product page for cleaning, quoted verbatim and dated. Providers whose pages could not be read are listed with the attempt date rather than left out, because leaving them out would make the comparison look more complete than it is.
Related on this site: what licensed, bonded and insured means word by word is on cleaning and bonding. How liability treats a customer\u2019s property once it is in your hands is on customer property. Sourcing standard on methodology.