Cleaning Business Insurance in Edmonton.

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.

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.

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.

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.

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.

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.

There is no flat rate. Your premium depends on the work you do, your revenue, your Edmonton 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.

Most start with commercial property for the building, stock, and equipment, and commercial general liability for third-party injury and property damage. From there it depends on the trade: vehicles add commercial auto, contractors add tool and equipment coverage, retailers and offices add crime and cyber, and landlords add loss of rental income. We build the mix around your operation.

Yes. Velocity is an Edmonton-based brokerage serving businesses across the region and the wider province. You work directly with a broker who knows the local market rather than a call centre.

Yes, and there is no obligation. Send us your current policy and a broker will review your coverage for gaps and overlaps and let you know whether we can improve the protection, the price, or both.