Cleaning business insurance should describe the properties cleaned, tasks performed and materials used. Domestic cleaning and specialist commercial cleaning can involve different underwriting questions.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
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Insurance Genie is an insurance request platform, not an insurer or insurance brokerage. Requests may be connected with participating licensed partners. Availability depends on your location, needs and partner eligibility. A request is not a quote or confirmation of coverage.
Use these topics to frame a discussion with the licensed professional handling your request. They are questions to review, not a promise that every item is included in a policy.
Describe the full activity, including work away from the main premises and any secondary services. An incomplete description can make two proposals look comparable when they are based on different information.
Ask for the named insured, business description, covered locations, policy limits, deductibles and key exclusions. Check how defence costs, property valuation and any required endorsements are treated. A policy title alone does not tell you what an individual claim would receive.
If a landlord, lender, marketplace or customer has supplied insurance conditions, provide the actual document. Ask the licensed professional to identify requirements the proposed policy does and does not satisfy. A certificate is evidence of stated coverage; it should not be treated as a rewrite of the policy.
The price depends on the business activity, scale, location, claims history and selected protections. Request a review using your own facts instead of treating a generic industry range as a quote.
Insurance Genie connects requests with participating licensed partners. Products, territories and eligibility vary. Confirm who is handling your request and when any offered coverage would take effect.
Your questions, answered
Cleaning company insurance should describe the work, the property being cleaned and access to customer premises.
Residential housekeeping insurance and home cleaning insurance enquiries should explain keys, customer property, chemicals and employees or subcontractors. Cleaning services insurance should reflect the tasks actually offered.
Janitorial insurance for offices, industrial premises and specialist cleaning needs the locations, methods, heights and equipment. Insurance for industrial cleaning contractors should not be assumed to match ordinary domestic cleaning.
Window cleaning liability insurance, eavestrough cleaning insurance and exterior building cleaning insurance need clear height and access details. Disclose specialist tasks such as drain cleaning rather than relying on a general cleaning label.
Bonding insurance for cleaning business enquiries often involve client demands about theft or employee dishonesty. Ask what bond or crime cover is required and how it differs from liability insurance for cleaning business operations.
Discuss general liability, customer property in your care, equipment, employees or subcontractors and business vehicles. Ask about the item being cleaned and property in your care, custody or control; the wording may treat these differently.
A useful assessment needs the services, revenue, staff, premises types, work heights, claims and requested cover. Ask for equivalent limits and deductibles when comparing cleaning business insurance quotes.
Provide the business address, customer locations and the types of premises cleaned. Explain work in homes, offices or specialist settings and any work outside your usual area. Ask the professional to confirm the proposed territory and whether the activities can be considered.
Dry cleaning and laundry businesses have different equipment, processing and customer-goods exposures. Explain the service clearly so a provider assesses the correct operation.
Ask specifically about property in your care, custody or control and damage to the item being worked on. Do not assume these situations are covered without reviewing exclusions.
Prepare the activity description, current insurance, recent claims details and any contract requirements. Include the business-specific information listed on this page so the licensed partner can ask relevant follow-up questions.
No. A request is not a binder, policy or confirmation of coverage. The organization arranging insurance must confirm acceptance, terms and the effective date.
This page is general information. Ask the licensed professional handling your request to explain the proposed wording, limits, deductibles and exclusions. Coverage must be confirmed by the organization arranging it.
Background reading: Consumer insurance coverage guidance. Content updated September 9, 2026; coverage and availability remain subject to confirmation.
Contact us to discuss provider availability and the details needed for a useful conversation.
Explore my optionsDescribe the actual services before comparing liability and property coverage. Housekeeping, custodial and janitorial work may involve customer premises, keys, chemicals and property in your care. Window washing, duct or hood cleaning, carpet or furniture cleaning, pool work and street cleaning should be disclosed explicitly because they can need different underwriting. A self-employed cleaner should not assume the customer's policy protects the cleaner's business. Ask which activities the proposed wording accepts.
A licence or registration permits particular operations where required; insurance responds according to its policy; a bond addresses the specific obligation stated in its wording. They are not interchangeable. For a cleaning contract, ask whether the customer requires general liability, employee-dishonesty protection or a particular surety bond. Check licensing requirements with the appropriate authority and have the provider explain each requested document before advertising the business as licensed, insured and bonded.
The assessment depends on services, revenue, payroll, work heights, customer contracts, claims and requested limits. Compare the annual price, payment charges and deductible instead of using an unsupported monthly average. Ask for separate costs where a bond and an insurance policy are both required. A low price is only useful when the declared activities and contract requirements are addressed.
Before you compare
Janitorial service insurance should describe the type of premises, tasks and products involved. Insurance for cleaning services can differ for residential cleaners, commercial janitors and specialist work. Include access to customer keys and any subcontracting.
List cleaning tasks, customer premises, payroll or subcontracting, annual revenue, equipment and contract conditions. Identify high-level work, floor treatments and other specialist services. Ask how customer property in your care is treated.
The price depends on the work, scale, claims record and requested terms. Compare proposals using the same task description, liability limits and deductibles. Ask about equipment and bonding requirements separately when a customer contract mentions them.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: A visitor slips after a floor is cleaned.
What happens next: Save incident details and cleaning records. Liability, precautions taken and the policy wording will be reviewed.
Scenario: Cleaning machines are stolen from a storage room.
What happens next: Keep police records and ownership evidence. Insured locations, security conditions and equipment limits matter.
Scenario: A cleaning product discolours a client’s carpet.
What happens next: Record the product, method and damage. Ask about property being worked on and any treatment or pollution exclusions.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
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