Cleaning Business Insurance · Minnesota
Cleaning businesses operate in clients' homes and commercial spaces daily — which means you're constantly exposed to property damage claims, theft allegations, and employee injuries. Being properly bonded and insured isn't just good business practice; it's often required to win commercial contracts.
What's Covered
Cleaning businesses operate in clients' homes and commercial spaces daily — which means you're constantly exposed to property damage claims, theft allegations, and employee injuries. Being properly bonded and insured isn't just good business practice; it's often required to win commercial contracts.
Covers accidental damage to clients' property, bodily injury, and third-party claims. If an employee breaks a client's TV, knocks over an antique, or a client trips on your equipment — GL covers it.
A surety bond protects clients against employee theft. Many commercial clients and residential customers require cleaning companies to be bonded before allowing them into their homes or businesses. We handle bonding as part of your coverage program.
If your employees drive company vehicles — or their own cars — to job sites, you need commercial auto coverage. Personal auto policies exclude business use and won't cover a claim that happens on the job.
Required in Minnesota for any cleaning business with employees. Cleaning work involves significant physical risks — back injuries, slip-and-falls, chemical exposures. Workers comp is non-negotiable.
Covers your cleaning equipment — vacuums, pressure washers, floor scrubbers, specialty tools — whether at your shop, in transit, or at job sites. Standard commercial property covers equipment at a fixed location only.
If your equipment is stolen or destroyed and you can't work, business income coverage pays your ongoing expenses while you get back up and running.
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 specialize in Minnesota small business coverage. We know the gaps most business owners miss and help you close them before a claim happens.
We compare across multiple A-rated commercial carriers — not one company's products — so your quote reflects real market competition.
When you have a claim, we stay in your corner. We help you document it, work with the carrier, and follow through until it's resolved.
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' refers to a surety bond that protects clients against theft by your employees. 'Insured' means you carry general liability coverage for accidental damage. Both are typically required by commercial cleaning contracts and are good selling points with residential clients too.
Sole proprietors without employees are generally exempt in Minnesota, but subcontractors may be treated as employees under Minnesota law. If you use subcontractors, we'll help you understand your workers comp obligations.
Your commercial auto policy can include hired and non-owned auto (HNOA) coverage, which covers employees using personal vehicles for business. Without it, you could be personally liable for accidents that happen on the way to a job.
Most commercial cleaning contracts require $1M/$2M in general liability. Residential clients typically accept $300,000 or more. We'll match your limits to the clients and contracts you're targeting.
