Small business insurance cost for cleaning businesses in Texas
A typical small cleaning businesses business in Texas 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 $1,927–$3,212 per year for a business owner’s policy and workers’ compensation.
Cost by policy type
| Policy | Per month |
|---|---|
| General liability | $41–$68 |
| Business owner’s policy (liability plus property) | $56–$93 |
| Workers’ compensation (2 employees) | $105–$175 |
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 Texas
Texas is the one state where most private employers can choose not to carry workers’ compensation. Opting out means you can be sued directly by an injured employee, and many clients and contractors still require it.
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 California
- Cleaning Services in Florida
- Cleaning Services in New York
- Contractors and Trades in Texas
- Restaurants and Cafés in Texas
- Salons and Spas in Texas
- Retail Shops in Texas
- Consultants and Offices in Texas
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.