General Liability Insurance: General liability insurance provides coverage for bodily injury and property damage that may occur while performing cleaning services. It protects against claims from clients, customers, or third parties who suffer injuries or property damage as a result of the cleaning process. Workers' Compensation Insurance: Workers' compensation insurance is crucial for cleaning businesses with employees. It provides coverage for medical expenses, lost wages, and disability benefits if employees are injured or become ill while performing their job duties. This coverage protects employees and helps the business comply with legal requirements. Commercial Auto Insurance: If cleaning professionals use vehicles for business purposes, such as transporting equipment or traveling to client locations, commercial auto insurance is necessary. This coverage provides protection for liability, property damage, and injuries resulting from accidents involving company vehicles. Business Property Insurance: Business property insurance safeguards the physical assets of the cleaning business, including cleaning equipment, tools, and supplies, against damage or loss due to events such as fire, theft, vandalism, or natural disasters. Cyber Liability Insurance: Cyber liability insurance protects against data breaches, cyberattacks, and other cyber risks that could compromise sensitive customer information stored electronically. This coverage may be relevant if cleaning businesses store customer data or use electronic billing systems. Business Interruption Insurance: Business interruption insurance provides coverage for lost income and ongoing expenses if the cleaning business is temporarily unable to operate due to a covered event, such as a fire, natural disaster, or other disruptive event. It helps cover fixed costs such as salaries, rent, utilities, and other expenses during the period of interruption. Professional Liability Insurance (Errors & Omissions): Professional liability insurance, also known as errors and omissions (E&O) insurance, provides coverage for claims of negligence, errors, or omissions in the cleaning services provided to clients. This coverage protects against legal fees, settlements, and damages if a client alleges that the cleaning professional's work caused financial harm or dissatisfaction.