Signature tool · Form BQ-101
Which policies does your business actually need?
Pick your trade, your state, and your headcount. You’ll get a tiered coverage checklist — required by law, commonly required by clients, worth considering — with typical annual ranges, every figure sourced and dated. It’s the honest answer no listicle gives you.
Form BQ-101 · Your coverage worksheet
Cleaning / janitorial
1–4 employees
Pick your state to see the exact workers’-comp rule — the four monopolistic states (OH, ND, WA, WY) change the answer completely.
General liability
Commonly required by clientsThe policy clients ask for on a certificate — $1M per occurrence / $2M aggregate is the common commercial-contract minimum.
$360–$720/yr typical · ~$45/mo median
Insureon puts the median near $45/mo; the full published spread runs roughly $250 to $3,000+ a year across trades, limits, and claims history.
Source: Insureon (GL cost) · as of 2026-07Workers' comp
Commonly required by clientsWhether it is legally required depends on your state — most mandate it once you hire. Run the checker with your state for the exact rule.
Workers' comp is priced per $100 of payroll: rate × (payroll ÷ 100) × your experience mod. Published state indexes average about $1.03 per $100 nationally — from ~$0.67 in North Dakota to ~$1.52 in California — and your class code moves it far more than headcount alone. Insureon's small-business median lands near $54/mo, but treat that as a reference point, not a quote.
Source: Insureon (workers' comp cost) · as of 2026-07Janitorial / fidelity bond
Commonly required by clientsMany commercial cleaning contracts require a small janitorial (fidelity) bond in addition to liability.
$100–$200/yr typical · ~$11/mo median
Insureon lists janitorial bonds around $11/mo — a small fidelity bond many commercial cleaning contracts require on top of liability.
Source: Insureon (cleaning bonds) · as of 2026-07
Typical range for businesses like yours
$460–$920/yr
A published typical range, not a quote — and it excludes workers’ comp, commercial auto, and cyber, which don’t have honest flat ranges (see each above). Your actual rate depends on payroll, class code, limits, deductible, and claims history.
Form BQ-101 · Coverage highlights
Worksheet summary
- Trade
- Cleaning / janitorial
- State
- Not selected
- Workers' comp
- Depends on state
- Team size
- 1–4 employees
- Estimated stack (typical)
- $460–$920/yr
Ranges as of 2026-07. Confirm required-by-law items with a licensed agent in your state.
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Where these ranges come from
Every band here is a published typical range from an insurer or marketplace cost page — chiefly Insureon and Hiscox — each shown with its source and an as-of date. We shift where a trade lands inside the published spread using an editorial multiplier (roofing sits high, a bookkeeper low), but we never turn a range into a quote, and we never publish a figure without a source. Workers’-comp rules come from public state-agency and industry summaries; they’re general rules, not legal advice, and statutes change.
Ranges reviewed as of 2026-07. Read the full methodology and our editorial standards.
Coverage checker — common questions
Are these prices quotes?
No. Everything here is a published typical range, not a quote. Your real rate depends on payroll, class code, coverage limits, deductible, and claims history — which is why every result ends in a “compare quotes” link rather than a number we invented.
Where do the cost ranges come from?
From public cost pages published by insurers and marketplaces (chiefly Insureon and Hiscox), each cited with its source and an as-of date on the result. A trade’s position within the published spread is nudged by an editorial multiplier — never a quote.
How does the checker handle workers’ comp?
By state law and headcount. Most states require it once you hire; a few set an employee threshold, and Texas is largely elective. The four monopolistic states — Ohio, North Dakota, Washington, and Wyoming — sell workers’ comp only through a state fund, so the tool says so and drops the marketplace link for that policy.
Does BizQuoted sell insurance?
No. We’re researchers, not licensed agents or brokers. We don’t sell insurance or give individualized advice — we route quote intent to marketplace partners and may earn a commission if you buy through one, at no extra cost to you. Confirm specifics with a licensed agent in your state.