Cleaning business insurance in South Carolina.
General liability, janitorial bonds, workers' comp, and commercial auto, packaged for how cleaning companies actually work: in other people's homes and buildings. Residential maids, commercial janitorial, carpet and windows, post-construction cleanup. Based here in Sumter, insuring cleaning businesses across South Carolina. Zero agency fees, ever.
Coverage for work done in other people's spaces.
Every job puts your crew around someone else's floors, furniture, and keys. That is a different risk profile than most businesses, and we build the package to match it.
General liability
The scratched hardwood, the cracked countertop, the slip on a floor your crew just mopped. This is the coverage clients and property managers require before you start.
Janitorial bond
When a client says they want you "bonded and insured," this is the bond: it responds to claims that an employee stole from a customer, and commercial accounts often require it.
Workers' compensation
Slips, lifting injuries, and chemical exposure are the everyday risks of cleaning work. Generally required in SC once you have four or more employees, counting part-time staff.
Commercial auto & hired/non-owned
Company vehicles between job sites, plus the gap most owners miss: employees running routes in their own cars. We make sure that exposure is handled honestly.
Equipment & supplies
Floor machines, pressure washers, backpack vacuums, and supplies that travel from job to job, covered where standard property insurance stops.
Lost key coverage
A lost master key can mean rekeying an entire building on your dime. This endorsement picks up that cost, and commercial janitorial accounts should not go without it.
What South Carolina cleaning company owners should know.
Most cleaning contracts start with somebody else's checklist. Property managers, banks, medical offices, and franchise brands want a certificate of insurance with additional insured wording before you make the vendor list, and many ask for proof of a janitorial bond too. "Licensed, bonded, and insured" is what wins those accounts, and we set up all three pieces so you can say it truthfully. Certificates go out same day from our office in Sumter, and you can request one online anytime.
South Carolina's workers' comp rules matter more in cleaning than most industries. Coverage is generally required once you have four or more employees, and that count includes part-timers and family, which is exactly how most cleaning crews are staffed. You hit four faster than you think. And if you hand work to 1099 cleaners who don't carry their own coverage, South Carolina can treat their people as yours for workers' comp purposes. We help you sort out what your subs need to show you before an audit sorts it out for you.
Carrier appetite splits by what you clean. Residential maid services, commercial janitorial, carpet and upholstery, window washing, and post-construction cleanup all price differently, and the carrier that loves houses may cap out the moment you add a medical office contract. As an independent agency we know which carriers want which kind of cleaning work in South Carolina right now, and we re-shop it at every renewal.
- Certificates of insurance issued same day, with additional insured wording
- Janitorial bonds placed so you can say "bonded and insured" and mean it
- New ventures welcome, including first-year cleaning businesses
- Hired and non-owned auto checked, so crews in their own cars never leave a gap
Carriers that want cleaning companies
Some carriers want residential maid services and avoid janitorial contracts. Others are the opposite. We know who wants your kind of cleaning work, and that is where the pricing lives.
Quote my cleaning businessThree steps. About 60 seconds to start.
Tell us about you
Send the form above or call or text 803-848-0089. No SSN required to get started.
We shop the market
We run your details across every relevant carrier we represent and bring you the strongest fits, side by side.
You pick. We bind it.
Most policies bind same-day. Then we re-shop your rate every year and help with claims when you need us.
Proudly serving Sumter, Columbia, Manning, Camden, Florence, Bishopville, Lugoff, Hartsville, Lexington, Greenville, Spartanburg, Myrtle Beach, and Charleston, plus all 46 South Carolina counties. See our full service area →
Cleaning business insurance questions, answered
What insurance does a cleaning business need in South Carolina?
Most cleaning companies start with general liability, which clients and property managers require, plus a janitorial bond for commercial accounts. Workers' compensation is generally required once you have four or more employees, and vehicles used for the business need commercial auto or hired and non-owned coverage. We package it around the kind of cleaning you do.
What does "licensed, bonded, and insured" actually mean?
Licensed means your business is registered to operate. Insured means you carry general liability for damage and injuries. Bonded means you carry a janitorial bond, which responds if a client claims an employee stole from them. Commercial clients often require all three, and we can set up the bond and the insurance together.
Does my insurance cover damage to a client's home or building?
That is the core job of your general liability policy: the broken vase, the scratched floor, the bleach spot on the carpet. One caveat: property you are directly working on can fall under a care, custody, and control exclusion, so limits and endorsements matter. We walk through exactly how your policy would respond before you bind.
Do I need workers' comp for my cleaning crew in South Carolina?
Generally yes, once you have four or more employees, and South Carolina counts part-time workers and family members toward that number. Cleaning crews are usually built on part-time staff, so many owners cross the line without realizing it. If you use 1099 cleaners without their own coverage, the state can treat them as your employees too.
My employees drive their own cars between jobs. Am I covered?
Not automatically. Your business can be sued after an accident an employee causes while driving their own car on your route, and their personal auto policy does not protect you. Hired and non-owned auto coverage fills that gap, it is inexpensive, and we include it in cleaning business quotes by default.
I'm a one-person cleaning business. Do I still need insurance?
If you want commercial accounts, yes: most property managers will not put an uninsured cleaner on the vendor list, and even homeowners increasingly ask for proof. A solo operation usually just needs general liability and a bond, which together cost less than most people expect. Several of our carriers write brand-new ventures.
Do you insure cleaning companies outside of Sumter?
Yes. We are based in Sumter and insure cleaning and janitorial businesses across all of South Carolina, from Columbia and Florence to the Upstate and the coast. Quotes, certificates, and policy changes are all handled by phone, text, or online.
One agency for your whole picture.
A real office, with real people in it.
261 Broad St, Suite A5
We're on Broad Street in Sumter, a few minutes from downtown and Swan Lake Iris Gardens, and about 15 minutes from the Shaw AFB main gate. Walk-ins welcome.
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Our neighbors say it better than we can. Read what Sumter families and business owners think of working with us, or add your own.
Call or text 803-848-0089
Mon – Thu: 9:00 AM – 5:00 PM
Friday: 9:00 AM – 3:00 PM
Sat – Sun: Closed
Based in Sumter and licensed across South Carolina. We serve Sumter, Manning, Camden, Bishopville, Lugoff, Columbia, Florence, and every county in between.