Utah Commercial & Residential Cleaning Insurance
Flexible policies for residential, commercial, and specialty cleaning operations. From $29 per month with same-day certificates and local support.
What Coverage Do Cleaning Businesses Need?
Running a cleaning service means facing unique risks—property damage at a client’s site, accidents with equipment or chemicals, and more.
Anderson Insurance Group offers comprehensive policies, including:
Bonds (often required for commercial contracts)
Tools & Equipment
Workers’ Compensation
Commercial auto
General Liability
Voluntary Property Damage
Anderson Insurance Group partners with Acuity, Auto-Owners, Cincinnati, and United Insurance to provide reliable janitorial coverage.
Cleaning Services We Insure
We specialize in coverage for:
Residential cleaning, office cleaning, post-construction cleanup, carpet and upholstery cleaning, deep sanitation services, and more.
Bonds (Surety or Janitorial Bonds)
Some government and large commercial contracts mandate a janitorial or surety bond. Bonds give clients peace of mind by guaranteeing that your company will fulfill its contractual obligations and provide compensation if you fail to meet agreed-upon terms. What exactly is a Bond?
Tools & Equipment Coverage
Your tools are the backbone of your service: vacuums, carpet extractors, pressure washers, and specialized cleaning solutions. Tools & Equipment coverage reimburses you if those items are stolen from a job site, damaged in a vehicle accident, or destroyed by fire or water. It’s especially valuable for mobile cleaning companies that transport gear daily and can’t afford downtime when critical equipment is lost or broken.
Workers’ Compensation
If you have employees 'even part-time staff' Utah law requires workers’ compensation insurance. Cleaning work often involves repetitive motion, chemical exposure, and heavy lifting. If an employee injures a back while moving equipment or develops a respiratory issue from cleaning agents, workers’ comp covers medical care, rehabilitation, and a portion of lost wages. Having this coverage also protects you from costly lawsuits related to workplace injuries. What Type of Insurance Does a Utah Janitor Need? | Anderson Insurance Group
Commercial Auto
Many cleaning companies rely on vans, trucks, or SUVs to move staff and supplies between jobs. A personal auto policy usually excludes business use. Commercial Auto insurance protects company vehicles and drivers from liability claims, collision damage, and uninsured motorists. It can also include coverage for cleaning supplies and equipment being transported important when you’re carrying chemicals or high-value machines.
General liability
General liability is the foundation of any Utah cleaning business insurance plan. It protects you if a third party suffers bodily injury or property damage because of your work. Picture a client slipping on a freshly mopped floor or a vacuum cord causing a trip hazard. This policy helps pay for medical bills, legal defense, and any settlements or judgments. It also covers accidental damage to furniture, flooring, or other client property during routine cleaning tasks. Professional Liability | Anderson Insurance Group
Voluntary Property Damage
General liability handles accidents, but Voluntary Property Damage extends protection to items in your custody or control. For example, if a team member moves an expensive art piece to clean behind it and accidentally cracks the frame, this coverage helps pay for repairs or replacement. It reassures high-end residential and commercial clients that their valuables are protected while you work. What is Voluntary Property Damage Coverage? | Anderson Insurance Group
Why Cleaning Businesses Need Insurance
Financial Protection: Accidents happen a client slips on a wet floor or a valuable item is damaged. Insurance covers medical bills, repairs, and legal costs so one incident doesn’t drain your business.
Licensing & Contract Requirements
Many property managers and commercial clients require proof of insurance before hiring a cleaning service or awarding a contract. The right policy helps you meet legal requirements and qualify for more profitable jobs. Contractors Insurance | Anderson Insurance Group
Credibility & Professionalism: Being insured and bonded signals reliability. Clients trust a company that protects its workers and their property, giving you an edge when competing for long-term cleaning contracts in Utah.