Airdrie · Cleaning Services
Cleaning Business Insurance in Airdrie.
Coverage built for Airdrie cleaning businesses, from the risks of the work to the exposures Airdrie businesses face.
Licensed Alberta brokerage · IBAA member · most cleaning businesses bound in a few business days
Get your Airdrie cleaning business insurance quote
How do you prefer to work through your insurance?
Cleaning insurance is built for residential and office cleaners. It brings together general liability for the slip-and-fall that is the trade’s most common claim, coverage for the client property and finishes you damage, crime coverage for theft by an employee inside a client’s home or office, and coverage for your supplies, equipment and vehicles. Cleaning happens inside other people’s spaces, often when no one is there, with your team holding keys and alarm codes around expensive floors and electronics. Velocity builds these programs for cleaning businesses across Alberta, with the paperwork an office client may ask to see.
Airdrie cleaning companies serve offices, retail, and light-industrial clients from the historic downtown core to Sierra Springs and often into Calgary, holding keys and working on client premises. Liability for damage on a client's site, employee-dishonesty coverage for crews with access, equipment protection, and commercial auto for the cross-city driving are the core.
Most cleaning programs are built around general liability for the slip-and-fall claim and care, custody and control coverage for the client property you damage. Crime coverage deals with employee theft, and the rest looks after your supplies, equipment and vehicles.
Risks Airdrie cleaning businesses face.
These exposures come with the work, and in Airdrie the local risks sit on top. A generic small-business policy rarely covers all of them.
Slip and fall claims from wet floors
Mopping a kitchen or an office corridor, a freshly washed tile floor, a missed wet-floor sign. Slip-and-fall liability is the single most common claim against cleaners, and an office client will expect to see proof of coverage before you start.
Damage to client property and finishes
The wrong product on a stone countertop. A vacuum that scratches a hardwood floor, or a cleaner that strips finish off a custom desk. The item you were hired to clean is exactly the kind of property a standard liability policy leaves out, so it needs specific coverage.
Theft by an employee in a client’s home or office
Your team has access to jewellery, cash, electronics and personal records. Even with careful hiring, employee theft happens, and the client expects to be made whole when it does.
Chemical spills and stored cleaning products
The cleaning chemicals you store and carry are pollutants. A spill, a mixed cleaner that releases a harmful gas, or a residue left behind can mean a cleanup bill and a claim. Both the storage of these products and the cost to clean up a spill are real exposures your program should address, so it is worth reviewing where your coverage sits.
Lost keys, codes, and security exposures
A misplaced house key or a shared alarm code can leave a client paying to rekey their home or building, and you on the hook for the bill.
Damage or theft on the way to and from jobs
The vehicles, vacuums and supplies that move between homes and offices are exposed to accidents, break-ins and weather, and replacing them mid-schedule comes straight off your margin.
Hail and severe storms
Airdrie sits in the same high-hail corridor as Calgary, where the August 2024 hailstorm caused roughly $3.3 billion in insured damage, the costliest hailstorm in Canadian history, and the June 2020 storm before it about $1.2 billion. Roofs, exteriors, signage, and vehicles are the exposures, so replacement-cost property and comprehensive auto coverage matter.
Water and winter damage
Freeze-thaw cycles and heavy snow drive burst-pipe and water-damage claims. Confirming your property limits and water-damage endorsements keeps a winter loss from being an uncovered one.
The Protection
Coverages we recommend.
Commercial General Liability
Injury or property damage you or your team cause in a client’s home or office, the slip-and-fall being the classic example. Office cleaning contracts often ask for a minimum liability limit, with the client added to your policy, before you start.
Care, Custody & Control
Standard liability leaves out property in your care. This coverage fills that gap, protecting you when the damaged item is the very thing you were hired to clean.
Crime & Employee Theft
Theft committed by your own employees, including money and property taken while your team is working inside a client’s home or office. It is basic employee crime coverage, which is different from being bonded, and it deals with the exposure clients worry about most.
Commercial Property
Your supplies, vacuums and floor equipment, and any storage or office space, including your stored cleaning products, covered against fire, theft and water damage.
Commercial Auto
The vehicles that move your team and equipment between jobs, plus the tools and supplies inside them. Contracts sometimes ask for non-owned auto coverage too, which extends to vehicles your business uses but does not own.
Coverages shown are general examples, not a description of any specific policy. Policy coverages widely vary and should be confirmed with your broker.
How Pricing Works
What drives your premium
- Homes, offices, or bothRoutine house cleaning and light office cleaning price lower than higher-risk work like post-construction cleanup or anything involving harsh chemicals, so the mix of work you take on is the biggest driver of price.
- Revenue & payrollHigher annual revenue and a larger payroll mean more jobs, more hours and more chances for something to go wrong, which raises the premium.
- Staff & subcontractorsMore team members and any subcontractors you use add exposure. Subcontractors should carry their own coverage, or they get counted under yours.
- Client access & keysHolding keys and alarm codes and cleaning empty homes and offices raises the theft, care-of-property and security exposure a policy has to account for.
- Equipment & chemicalsVacuums, floor machines, vehicles and stored cleaning chemicals add value to insure and hazards to manage, both of which factor into the premium.
- Claims historyA clean record lowers your price, while past slip-and-fall, property-damage or theft claims raise it.
- Coverage limits & deductiblesThe limits your contracts require and the deductibles you choose move the price. Buying a higher limit costs more, and taking a higher deductible saves premium at the price of a bigger bill when you claim.
- Your Airdrie locationYour neighbourhood, the building you occupy, and the local exposures Airdrie sees factor into the property side of your premium.
Common Questions
Questions ownersreally ask.
Do I need a business licence to run a cleaning company in Alberta?
In most Alberta cities, yes. Edmonton, for example, requires a municipal business licence and licenses cleaning under its Construction, Contracting, and Labour Service category. The exact category and rules vary by municipality, so check with the city or cities where you work.
What happens if one of my employees steals from a client?
Crime coverage exists for exactly this. It responds to theft committed by your own employees, including money and property taken from a client’s home or office while your team is working there. This is basic employee crime coverage, which is not the same as being bonded. We make sure it is in place before you take on work that puts your team inside a client’s space.
Aren’t cleaners supposed to be “bonded”? Do you offer that?
You will often hear “bonded and insured,” but a bond is a specific surety product that Velocity is not licensed to provide. What most cleaning clients are really worried about is theft by staff, and that is covered by employee crime coverage, which we do arrange. We will explain the difference so you can answer a client’s question honestly.
If my cleaner damages something they were cleaning, is that covered?
Only with care, custody and control coverage. A standard liability policy leaves out damage to property in your care, and the item you were hired to clean is by definition in your care. This coverage fills that gap, and for cleaners working around stone, hardwood and electronics it is essential.
I store and carry cleaning chemicals. Is a spill or the storage covered?
Chemical spill cleanup and the storage of pollutants are real exposures for a cleaning business, and they are not automatically part of a basic policy. WHMIS also requires you to store and handle these products safely. We review where your coverage sits and deal with the spill and storage exposure, so a chemical incident does not become an uninsured cleanup bill.
My office client’s contract lists insurance requirements I don’t recognise, additional insured, non-owned auto. What are these?
These are standard in office cleaning contracts. Adding the client as an “additional insured” extends your liability policy to protect them for claims arising from your work, and “non-owned auto” covers vehicles your business uses but does not own. We read the contract and issue coverage that matches it, so you are not guessing.
How much does cleaning business insurance cost in Airdrie?
There is no flat rate. Your premium depends on the work you do, your revenue, your Airdrie location, and your claims history, and higher-risk work costs more to insure. We price it around how you operate rather than a one-size quote, and most cleaning businesses go from first conversation to bound coverage within a few business days.
Does my Airdrie business face the same hail risk as Calgary?
Effectively yes. Airdrie sits in the same central Alberta hail corridor as Calgary, one of the highest-hail regions in Canada. Insurers weigh roof age and construction closely, and replacement-cost property coverage plus comprehensive auto for hail-prone vehicles are worth confirming.
I work in both Airdrie and Calgary. Does my coverage cover both?
Your commercial liability and property coverage generally follow your operations across Alberta, but contracts and clients in each city may ask for their own certificates. We set your program up to cover where you work and issue certificates for each client or site.
What coverage do most Airdrie businesses carry?
Most start with commercial property and commercial general liability, then add comprehensive auto for hail, and, for trades, builder’s risk and contractors equipment for active projects. Retailers add crime and stock protection, and any business that could be closed by a storm should carry business interruption.
Protect your Airdrie cleaning business.
Tell us how your cleaning business operates and we'll build coverage around the work you do and the risks Airdrie sees. Most cleaning businesses are bound within a few business days.
Not ready to switch? Book a 15-minute coverage review instead
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