7 Ways a Cleaning Business Can Reduce Their Liability Risk

cleaning business liability insurance ontario
May 04 2022 3 min read

With growing demand and relatively low start-up costs, it’s now a great time to own a cleaning business in Ontario.

However, despite the seemingly simple nature of the industry, there are plenty of hidden liability risks that should be recognized and avoided.

Let’s talk about 7 ways you can avoid having to make a liability insurance claim.


With so many different types of surfaces found in homes and businesses these days, using the wrong product on the wrong surface has become a daily concern for cleaning business owners.

It’s important to keep on top of the latest trends and products by continuously learning which works best and which to avoid when it comes to evolving surface types like granite countertops, stainless steel appliances, chrome fixtures and so on.

A perfect example that MyHouseCleaningBiz.com outlines in detail are the use of vinegar on hardwood and natural stone like marble and granite.

While vinegar is a popular cleaner choice for many due to its green attributes, over time it can cause significant damage if used on the wrong types of expensive surfaces.


Operating a cleaning business can be exhausting physical work. When people are tired they are more likely to make a mistake that causes an accident.

It’s important to try and get a good night’s sleep and take breaks as needed during the day to stay fresh and focused.

It’s also recommended to stay hydrated throughout the day and to take care of your body by stretching out before a job.

While your commercial liability insurance is there to cover damage from an accident, your first line of defense should always be prevention.

cleaning business insurance quote


Whether your set of tools consists of little more than a bucket, mop and cleaners or as much as large floor polishers and pressure washers, developing a maintenance routine is a great way to help avoid an accident.

Make sure bottles are secured tight and securely stored in the right places and temperatures.

Routinely clean and maintain large pieces of equipment.

Replace tools that are worn down and beyond repair.


Wearing the wrong type of clothing can result in injuries to yourself and damage to your client’s property.

Loose-fitting clothing can get caught on furniture or equipment. Tuck in that shirt!

Wearing the right rubber-soled footwear will also help avoid slips and trips while at the same time keeping your body fresh by reducing the burden and impact on your legs.


Depending on the type of cleaning business you operate, the activity could come with risk to areas within your worksite.

Like a painter covering floors and furniture to protect them, sometimes a cleaner must do the same before starting to clean.

Are you cleaning carpets? Think about putting down protective material on the tiles and other surfaces you’re not working on.

Do you clean air ducts? Take the time to safely move furniture away from every register and fan.

Cleaning windows? Make sure all openings to the home are closed tight.


This is especially true for those cleaners who spend a good amount of time on the road travelling between various job sites during the day.

Commercial auto insurance is an important part of your cleaning business insurance policy, but like all insurance products, it should be looked at as a safety net that is in place as a last resort.

Reduce your risk of being involved in an auto accident by not driving while distracted and following all other traffic laws.


Loss prevention habits, like the ones covered above, are your best chance to avoid an issue but accidents can still happen no matter how careful you are.

Speak to your insurance provider and get a quote for cleaning business insurance if you’re looking to start or already own cleaning business.

For a relatively low annual cost, you can breathe easy and have peace of mind knowing you’re better protected in the event of the worst-case scenario.

Erie Mutual Insurance proudly serves the commercial insurance, farm insurance, home insurance and auto insurance needs of members throughout Southern Ontario including Haldimand, Niagara and Hamilton.

Please don’t hesitate to contact us with any questions you may have about this or any other topic related to your insurance.

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