Capitalizing on the Emerging Niche of Residential Cleaning

// September 1, 2022
Reading Time: 3 minutes

cleaning crew cleaning a home

Home has always been a special place, but how we view our homes has changed substantially over the past few years. No longer our main place to eat and rest, our homes have turned into workplaces, classrooms, fitness centers and places of entertainment.

As a result of spending more time at home, many individuals no longer have the time or desire to clean their homes. Instead, they are seeking out residential janitorial businesses to fill this need.

The pandemic caused some cleaning businesses to shift their model to offer residential cleaning services in addition to cleaning offices and other commercial properties. Other entrepreneurs are finding they can capitalize on this need by starting their own residential cleaning business.

According to, “Everyone should keep their home and workplace clean and tidy, but not many people want to do this work themselves. That presents a good opportunity for entrepreneurs who don’t mind getting their hands dirty to start a cleaning business.”

Part of a successful business strategy is making sure you have the correct insurance coverage in place. General liability and property coverages are needed to protect business owners from mistakes that happen while cleaning customers’ homes. Consider the following claim examples:

Laura is mopping her customer’s kitchen, and the homeowner comes in before the floor is dry; he slips and falls, breaking his wrist. Laura’s commercial general liability policy will provide coverage to pay for the homeowner’s medical costs.

Jacob is cleaning a bathroom in a residence and accidentally slams a custom shower door, causing it to shatter. It costs $2,000 to replace and install a new shower door. A property damage endorsement on his commercial general liability policy will cover this loss.

USLI’s Janitorial product is positioned to offer an easy insurance solution for your customers’ janitorial businesses. Here are some key product features and coverage enhancements:

  • The rating basis is the number of full-time and part-time operators, not payroll, making it easy to get a quote
  • Given that the rating basis is operators, policies are not audited
  • A Property Damage extension is automatically included with every quote at a minimal charge, offering $5,000 in coverage per occurrence and a $25,000 aggregate
  • We offer low-cost, competitive premiums for residential cleaners, and we can also accommodate office and commercial cleaning
  • Optional coverage add-ons include inland marine for contractor’s equipment, rental reimbursement, lost key coverage and employee theft coverage
  • Blanket additional insured is available
  • New ventures are eligible

All policyholders have access to our Business Resource Center, where they can obtain a variety of value-added services, including human resources assistance and affordable background check services for employees.

Obtain a Janitorial quote fast by calling our Instant Quote line, entering the risk online at, or emailing your underwriter for a three-hour turnaround.

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As always, thank you for your support and business.

Contact Bill Keast
Assistant Product Leader | 888-523-5545, ext. 2445

Elizabeth Shults headshotContact and written by Elizabeth Shults
September 2022