Cleaning Service Insurance in Delaware
Delaware requires Workers' Compensation for cleaning services. See the checklist below for the full breakdown and costs.
Delaware requirements
| Coverage | Required? | Minimum | Notes |
|---|---|---|---|
| Workers' Compensation | Required | Statutory | Required once you have W-2 employees; statutory limits apply. |
State regulator: Delaware Department of Insurance
Coverage checklist
| Coverage | Requirement | Annual cost |
|---|---|---|
| Commercial AutoCA | Required | $1,100–$2,400/yr |
| General LiabilityGL | Required | $400–$900/yr |
| Workers' CompensationWC | Required | $1,500–$4,500/yr |
| Inland Marine / Tools & EquipmentIM | Recommended | $200–$700/yr |
| Business Owner's PolicyBOP | Optional | $500–$1,400/yr |
| Commercial PropertyCP | Optional | $500–$1,800/yr |
| Professional Liability / E&OPL/E&O | Optional | $400–$900/yr |
Cost breakdown
- ·Fleet size
Required for cleaning crews traveling between client locations.
- ·Residential vs. commercial
- ·Crew size
- ·Revenue
Covers damage you cause to a client's property and slip-and-fall claims; commercial clients often require it by contract.
- ·Payroll
- ·Crew size
Required once you have employees; slip/fall and chemical exposure injuries are common.
- ·Equipment value
Covers vacuums, extractors, and equipment kept in vehicles.
- ·Office/storage
If you lease an office or supply storage.
- ·Office/storage ownership
If you own/lease a workspace.
- ·Commercial contracts
Rare; mainly for firms offering specialized cleaning consulting.
Best carriers for cleaning service
Cleaning Service insurance in Delaware — FAQ
Do cleaning services need insurance?+
Yes. General liability covers damage to a client's property (a common claim), and workers' comp is required once you have employees. Commercial cleaning contracts also require insurance by contract.
How much does cleaning business insurance cost?+
General liability runs $400–$900 per year, workers' comp $1,500–$4,500 depending on payroll, and commercial auto $1,100–$2,400 per vehicle. Total for a small crew is often $3,500–$8,000 per year.
Does general liability cover damage I cause to a client's home?+
Yes — accidental damage to a client's property (like a broken fixture or stained flooring) is the core claim general liability covers for cleaners.
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