Cleaning Business Insurance · Bloomington, MN
Cleaning businesses operating in Bloomington and throughout Hennepin County need to be properly bonded and insured — it's expected by residential clients and required by commercial contracts. We help Minnesota cleaning businesses get the right coverage in place, comparing multiple carriers to keep your costs competitive.
What's Covered
Cleaning businesses operating in Bloomington and throughout Hennepin County need to be properly bonded and insured — it's expected by residential clients and required by commercial contracts. We help Minnesota cleaning businesses get the right coverage in place, comparing multiple carriers to keep your costs competitive.
Dayton Insurance Agency serves clients throughout Bloomington and Hennepin County. A first-ring suburb south of minneapolis known for the mall of america, strong commercial corridors, and a large mix of single-family homes and apartments, Bloomington is a community we know well. Whether you're looking for competitive rates or need help after a claim, we're available by phone, text, or email — Mon–Fri 9–5.
Covers accidental damage to clients' property, bodily injury, and third-party claims. If an employee breaks something or a client trips on your equipment — GL covers it.
A surety bond protects clients against employee theft. Required by most commercial cleaning contracts and a strong marketing point with residential clients too.
Covers company vehicles and employees driving to job sites. Personal auto policies exclude business use and won't cover a claim that happens on the way to a job.
Required in Minnesota for cleaning businesses with employees. Physical risk is significant — back injuries, slip-and-falls, chemical exposures are common in this industry.
Covers cleaning equipment at job sites, in transit, and in storage. Standard commercial property covers equipment only at a fixed location.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We work with many of the top A-rated carriers in Minnesota — so we're always looking for your best option, not pushing a single company's product.
You work directly with a licensed Minnesota producer — not a call center — from your first quote through every renewal and every claim.
We tell you what we find, walk you through the options honestly, and let you decide. No fee for a quote, no obligation to switch.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
'Bonded' means you carry a surety bond protecting clients against employee theft. 'Insured' means you carry general liability for accidental damage. Both are typically required by commercial cleaning contracts.
Yes — you need hired and non-owned auto (HNOA) coverage. This covers employees using personal vehicles for work. Without it, you could be liable for accidents that happen traveling to job sites.
Possibly. Subcontractors may be treated as employees under Minnesota law depending on how the relationship is structured. We'll help you understand your obligations before an audit finds a problem.
Commercial contracts typically require $1M/$2M. Residential clients generally accept $300,000 or more. We'll match your limits to the contracts and clients you're targeting.
