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Small Business Insurance for Cleaning Services

TD Insurance recognizes your role in upholding cleanliness in homes and offices, contributing to a more manageable environment for all. We understand the challenges posed by your demanding schedule and are here to support you by offering flexible insurance coverage tailored to your unique needs. Like the diverse services you provide, we believe in a customized approach where you only pay for what you need. Trust TD Insurance to protect you and your business, allowing you to focus on what you do best with confidence.

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Speak to a licensed TD Insurance Advisor 1-855-724-2883 

Why You Need Cleaning Services Small Business Insurance

  • Accidents happen

    Protection if someone slips and falls on your clean wet floor and is seeking compensation for injuries.

  • Shield your vehicle

    Protect the wheels that transport you and your supplies to your clients.

  • Reassure your clients

    In the event of an unexpected loss, your coverage may help replace or repair your supplies, allowing you to continue to service your clients.

  • Business Income / Business Interruption

    If your cleaning/maintenance jobs are put on hold due to a covered event, help maintain your income while your operations are restored.

Save up to 30% on your business insurance1

You may be eligible for discounts on your Commercial Property & Liability coverage. Call us at 1-855-724-2883 to see how much you can save.

  • Bundle and save

    Save 15% when you bundle your commercial property & liability with your commercial auto policy.1

  • Alumni & Professional savings

    Save 5% for eligible Alumni and Professional Groups.1

  • TD Customer Loyalty Discount

    Save 10% for being an existing TD customer.1

Cleaning services Insurance is recommended for:

  1. House Cleaning Services

  2. Window/Eavestrough Cleaners

  3. Janitorial services

  4. Housekeepers

  1. Carpet cleaning and upholstery cleaning services

  2. Restaurant Cleaning Services

  3. Office maintenance 

Coverage Options for Cleaning Services

 

It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.

  • Commercial Property

    Helps cleaning businesses protect the equipment, supplies, and business property they rely on every day to serve clients. Coverage may help if insured property is damaged, stolen, or lost. 

    • Protect essential equipment: Helps cover the repair or replacement of cleaning equipment and supplies following a covered loss. 
    • Safeguard business assets: Covers physical business property that supports your operations. 
    • Keep your business moving: Helps reduce disruption when important equipment or supplies are unexpectedly damaged or stolen. 

  • Commercial Auto

    Helps protect the vehicles used by you and your employees to transport equipment, and supplies between client locations.

    • Protect work vehicles: Coverage for vehicles used in your cleaning operations. 
    • Support mobile operations: Helps businesses that travel between homes, offices, and commercial sites. 
    • Protect drivers on the road: May help cover accident-related expenses involving insured vehicles. 

  • Commercial General Liability

    Helps cleaning businesses manage the risk of third-party injury or property damage claims that can arise while performing cleaning services. 

    • Protect against slip-and-fall claims: Helps if someone is injured on a wet floor or during your cleaning operations. 
    • Cover third-party property damage claims: Helpful if your business activities accidentally damage a client's property. 
    • Support legal defense costs: May help with covered legal expenses if a claim is made against your business. 

Claims Scenarios for Cleaning Services

Potential Claim:

While cleaning an office space, you left your floor scrubber in a closet before going on break. When you returned you noticed the floor scrubber has gone missing.

Potential Outcome:

Your policy may respond by covering the replacement cost of the floor scrubber that is missing subject to policy limits.

Potential Claim:

While carrying out a routine cleaning at a hospital, you accidently hit a defibrillator machine causing it to fall to the floor and break. 

Potential Outcome:

Your commercial general liability policy may cover any related legal fees, as well as the cost to repair the property damage if you are found liable.

 

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

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  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

    Browse FAQ

  • Visit our Advice Centre

    From retail to carpentry, you can visit our Advice Centre to find out which coverage options suit your business. Also, check out tools and resources available at your disposal. 

    Explore now

  • Call us by Phone

    Licensed TD Insurance Advisors are available to answer your questions and help you get started. Broker-free and ready when you are. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.

In the case of conflict between the content on this page and your policy wordings, your policy wordings shall prevail. Please speak to an Advisor or consult your policy wordings for further details.

TD Insurance refers collectively to the following insurance companies:

• Security National Insurance Company;
• Primmum Insurance Company;
• TD General Insurance Company;
• TD Home and Auto Insurance Company; and
• TD Life Insurance Company

TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.

1 Savings of up to 30% on your TD Insurance for Business Commercial Property and General Liability Insurance Policy can be obtained through a combination of the following three discounts:

Multi-Product Discount

You could save up to 15% on your Commercial Property and General Liability, and  5% on your Individually Rated Commercial Auto (“IRCA”) insurance policies when you insure a Commercial Property and General Liability policy and an IRCA policy with TD Insurance.

Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.

Offer may be changed, withdrawn, or extended at any time, without notice.

Alumni and Professional Group Discount

This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are a sole proprietor, majority owner, majority partner, or signing officer of a corporation, partnership or business entity designated as a TD Insurance policyholder and are members of a group or an association that have a group marketing agreement with TD Insurance.
This Offer provides a discount of 5% applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.

Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.

Offer may be changed, withdrawn, or extended at any time, without notice.


TD Customer Loyalty Discount

Eligibility

For the purposes of this Offer only, an "Eligible TD Customer" means a natural person who is a director, board member, signing officer, business owner, sole proprietor, or majority partner of a business entity and who:

• has a TD deposit account;
• has a TD Mortgage, a TD Home Equity FlexLine, or a TD loan or line of credit, secured or unsecured;
• has a TD credit card or other credit card issued by TD;
• has a TD investment product or account;
• has a TD automobile financing product;
• has a TD Insurance residential insurance or personal passenger automobile insurance policy;
• has a TD Insurance life insurance or accident and sickness insurance policy; or.
• has a TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance policy.

This Offer is for

A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024;
B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024, and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024; and
C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024.

Application

(A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024:

• This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024 and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024:

• This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024:

• The TD Small Business Banking Discount will be subsumed by the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(D) Eligible TD Customers who are existing TD Insurance business insurance customers and not currently benefitting from the TD Small Business Banking Discount before April 21, 2024:

• As of April 21, 2024, these customers may contact a TD Insurance advisor to avail themselves of the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

This Offer is not applicable to TD Insurance's individually rated commercial automobile insurance policies and their endorsements.

Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.

Offer may be changed, withdrawn, or extended at any time, without notice.

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