Small business insurance cost for cleaning businesses in New York
A typical small cleaning businesses business in New York with two employees and about $250,000 in revenue can expect to pay roughly the range below. Your own price will move up or down with your size, claims history, and coverage limits.
Typical total, per month
About $2,409–$4,014 per year for a business owner’s policy and workers’ compensation.
Cost by policy type
| Policy | Per month |
|---|---|
| General liability | $51–$85 |
| Business owner’s policy (liability plus property) | $69–$116 |
| Workers’ compensation (2 employees) | $131–$219 |
What drives the price for cleaning businesses
Employees working in other people’s buildings means injury risk for your crew and damage or theft claims from clients.
What to know in New York
New York requires workers’ compensation, plus disability and paid family leave coverage once you have employees. Costs run high, especially around New York City.
Tips before you buy
- Ask about a janitorial bond or crime coverage. Clients often want proof you’re protected against employee theft.
- Damage to a client’s property is the most common claim, so check that your liability limits fit the buildings you clean.
- Workers’ compensation scales with headcount, so classify full-time and part-time staff correctly.
More guides
- Cleaning Services in Texas
- Cleaning Services in California
- Cleaning Services in Florida
- Contractors and Trades in New York
- Restaurants and Cafés in New York
- Salons and Spas in New York
- Retail Shops in New York
- Consultants and Offices in New York
These figures are rough estimates for planning only, not quotes, offers, or insurance advice. Actual prices depend on the insurer and your specific business. Check with a licensed agent before you buy.