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General Liability Insurance for Cleaning Services in Georgia: What It Covers and What It Costs
Georgia cleaning service GL insurance: Atlanta commercial contract requirements, janitorial bond, and average premiums for Georgia cleaning businesses.
Written by
Editorial Team
Reviewed by
Robert Okafor
Georgia cleaning service businesses serve a large market of residential, commercial, and post-construction cleaning in the Atlanta metro and statewide. Georgia does not require a statewide cleaning contractor license, but commercial property managers, office buildings, and HOAs across Georgia require GL as a standard contract condition.
Quick Answer
Estimated GL premiums for Georgia cleaning service businesses:
| Business Type | Annual GL Premium Range |
|---|---|
| Solo residential house cleaner | $450 to $1,100 per year |
| Small cleaning company, 2-5 employees | $1,100 to $2,800 per year |
| Commercial cleaning contractor | $2,800 to $7,000+ per year |
Georgia cleaning service GL premiums are below the national average. Atlanta-area businesses pay more than rural Georgia businesses.
What GL Covers for Georgia Cleaning Services
Bodily Injury
Covers injury claims from clients, building occupants, and third parties from your cleaning operations.
Property Damage
Covers damage your cleaning operations cause to client property.
Products Liability
Covers claims from cleaning products you use.
Georgia-Specific Considerations
Atlanta Commercial Market
Atlanta commercial property managers require $1 million per occurrence GL with named additional insured endorsements.
Janitorial Bond
Atlanta commercial cleaning contracts typically require a janitorial bond alongside GL.
Workers Comp: 3-Employee Threshold
Georgia requires workers comp when you have 3 or more employees.
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Frequently Asked Questions
Does Georgia require a cleaning service license?
Georgia does not have a statewide cleaning contractor license.
How much GL does an Atlanta commercial cleaning contract require?
Atlanta commercial property management contracts typically require $1 million per occurrence.
Does my Georgia cleaning service GL cover a slip-and-fall?
Yes. Slip-and-fall claims from your cleaning operations are covered under GL bodily injury.
Is a janitorial bond required in Georgia commercial cleaning contracts?
Most Atlanta commercial cleaning contracts require a janitorial bond in addition to GL.
Does GL cover cleaning product damage to client property?
Yes, under GL property damage.
Disclaimer
This article is for informational purposes only and does not constitute insurance or legal advice. Coverage details and costs vary by carrier and individual circumstances. Consult a licensed insurance agent for guidance specific to your situation.
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This article is for informational purposes only and does not constitute insurance advice. Coverage, requirements, and costs vary by state, carrier, and individual circumstances. Consult a licensed insurance agent for guidance specific to your situation.
About the author
Commercial Insurance Editorial Team
The Dareable editorial team covers commercial insurance for small business owners. Every guide is fact-checked by a licensed CIC or CPCU before publication.
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