Business Insurance NC
Cleaning service and maid service insurance in North Carolina
NC cleaning businesses need commercial GL, bonding, and proper coverage for work in clients' homes and businesses. Learn what protects your cleaning service.
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Cleaning businesses have two distinct insurance conversations: liability coverage and bonding. They serve different purposes and most clients will ask for both. Here is what a complete cleaning service insurance program looks like:
- Commercial general liability, covers property damage and bodily injury to clients or at their properties
- Janitorial service bond, protects clients against theft by your employees; often required by both residential and commercial clients
- Commercial auto, covers vehicles used for client travel; personal auto typically excludes business use
- Workers comp, required in NC for employers with 3 or more employees; covers slips, falls, and chemical exposures
Cooper's take
Cleaning businesses have two insurance conversations that often get conflated: liability insurance and bonding. They are different things. Liability insurance covers property damage and bodily injury you cause. Bonding (a janitorial service bond) protects clients against theft by your employees.
Many clients ask for both, and for good reason. A cleaning company employee in a client's home has access to valuables, and a bond provides some assurance. For commercial cleaning contracts, both are typically required. Structuring the program correctly and being able to provide certificates quickly is part of being taken seriously as a professional cleaning service.
Cooper Parsons, NC License #19272643
Frequently asked questions
What insurance does a cleaning service in NC need?
Core coverages include: commercial GL (covering property damage and bodily injury to clients or their property); a janitorial service bond (covering theft by employees); commercial auto if using vehicles for business; and workers comp if you have employees. Many commercial cleaning contracts require specific minimum limits for both GL and bonding.
What is a janitorial service bond and do NC cleaners need one?
A janitorial service bond (also called a cleaning service bond) is a surety bond that protects clients if an employee of your cleaning company steals from them. It is not the same as insurance. Many residential and commercial clients require both liability insurance and a service bond before allowing cleaning crews in their property.
Does cleaning service insurance cover broken items?
GL covers property damage you cause, breaking a client's lamp, damaging a floor, causing water damage from a cleaning product. However, there may be limitations on certain types of property or damage. Review policy language with your agent to understand what is and is not covered.
What workers comp rules apply to NC cleaning businesses?
NC requires workers comp for employers with 3 or more employees. Cleaning businesses with even a small crew typically reach this threshold quickly. Workers comp also protects your business if an employee is injured while cleaning, a slip, a chemical exposure, a fall.
Written & Reviewed By
Cooper Parsons
Owner & Licensed Independent Insurance Agent
NC License #19272643 · IronHaven Insurance · Wake Forest, NC · 25+ carriers
“Cooper saved me a TON of money while finding even better coverage for my home and auto. He is a solid person who cares about his clients. I'd rate him 500 stars if I could!”
Elliott Squires
Wake Forest, NC · Home & Auto
“Cooper worked with us when we thought we were all out of options for house insurance. He was able to help us get our home insured with a better package. So thankful for his communication and hard work!”
Rebecca Brady
Wake Forest, NC · Home Insurance
“Cooper is the partner you want to walk alongside you. He is an excellent teacher, a delight to work with. He's earned my trust, and he'll earn yours as well.”
Gabriel Torres
North Carolina · Insurance Client
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