{"id":20084,"date":"2025-05-14T09:41:29","date_gmt":"2025-05-14T13:41:29","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/janitorial-business-insurance-get-a-quote-in-less-than-3-minutes\/"},"modified":"2026-06-26T03:37:27","modified_gmt":"2026-06-26T07:37:27","slug":"janitorial-business-insurance-get-a-quote-in-less-than-3-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/janitorial-business-insurance-get-a-quote-in-less-than-3-minutes\/","title":{"rendered":"Janitorial Business Insurance Quebec 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Your housekeeping or janitorial business operates every day on your clients&#8217; premises \u2014 offices, condos, commercial buildings, hospitals, schools. A simple fall, a broken glass, a chemical leak or a theft by an employee can turn into a claim of thousands of dollars. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> compare more than 9 insurers to offer you comprehensive <strong>janitorial business insurance<\/strong> in <strong>Quebec<\/strong> \u2014 civil liability, equipment, commercial vehicles and employee bonding.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-entreprise-entretien-menager.jpg\" alt=\"Commercial cleaning company \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Insurance-for-cleaning-companies\"><\/span>Insurance for cleaning companies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Commercial maintenance firms (offices, factories, condos) have <strong>liability for damage to customer premises<\/strong> (scratched floors, damaged property, theft by employees). <em>Care, custody and control<\/em> guarantee essential. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Essential:<\/strong> <em>fidelity bond \/ employee dishonesty<\/em> covering theft by employees on client sites. Contract-requested in most commercial contracts. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">QUICK QUOTE CLEANING COMPANY<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-janitorial-business-today\"><\/span>Protect your janitorial business today<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare the best commercial insurers in Quebec. Quote in 3 minutes \u2014 no obligation. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get My Quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$2M<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Minimum recommended liability<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Submission time<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">AMF Brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-insure-your-housekeeping-business\"><\/span>Why insure your housekeeping business?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">The janitorial and janitorial industry presents unique risks: access to customer premises, handling of chemicals, wet floors, employees without direct supervision, multiple movements. The right business insurance protects your business from lawsuits, property losses, and customer claims. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddfd<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Falling on wet floors<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A visitor slides on a freshly washed floor in an office that you are cleaning. Back injury, <strong>$150,000<\/strong> lawsuit. Commercial liability insurance covers your legal defense and compensation.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2697\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Chemical damage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">An industrial cleaner damages a hardwood floor or marble countertop. <strong>Professional liability<\/strong> insurance covers damage to your clients&#8217; property. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd11<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Employee bonding<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">An employee steals jewelry, electronics or money from a customer. <strong>Employee bonding<\/strong> compensates the customer and protects your reputation. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Coverages-for-Your-Cleaning-Company\"><\/span>Essential Coverages for Your Cleaning Company<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Commercial Liability $2M<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Protection against bodily injury and property damage caused to third parties during your cleaning activities. Most commercial customers require <strong>$2 million minimum<\/strong>. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udce6<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Equipment and tools<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Industrial vacuums, scrubbers, steam generators, products in inventory \u2014 insured against theft, fire, accidental breakage, on your premises, in transit or at the customer&#8217;s site.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude90<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Commercial Auto (Fleet)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Vans, vans and trailers used to transport equipment and personnel. Commercial FPQ-1 registration required \u2014 not personal. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd10<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Bonding<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Compensation in the event of theft, fraud or dishonesty of an employee at a customer&#8217;s premises. Mandatory for most commercial and institutional contracts in Quebec. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Company assets<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Warehouse, office, product inventory, parking, signage. Protection against fire, theft, vandalism and water damage, including business interruption. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc77<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">CNESST (WCB Quebec)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Mandatory registration with the <strong>CNESST<\/strong> to protect your employees in the event of a workplace accident. Contributions by industry and payroll \u2014 not private insurance. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Steps-to-insure-your-cleaning-business\"><\/span>Steps to insure your cleaning business<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Profile of your company<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Number of employees, annual revenue, types of customers (residential, commercial, institutional), territory covered, products used.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Specific risk analysis<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Post-disaster cleaning, heights, pressure washers, solvent use, after-hours access \u2014 each activity influences the bounty.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Comparison of 9+ insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our brokers shop for your file with specialized commercial insurers (Intact, Northbridge, Aviva, Travelers) to get the best price\/coverage ratio.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Certification and Start-up<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Certificate of insurance issued within 24\u201348 hours, sent directly to your customers requiring proof before starting contracts.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Broker&#8217;s advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">If you use <strong style=\"color:#ffffff;\">subcontractors<\/strong>, require them to hold their own $2 million SOA and provide a by-law certificate. Otherwise, your policy will have to cover their activities \u2014 which significantly increases your premium. Always mention this aspect to your Assur360 broker.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cleaning-company-insurance-rates-in-Quebec-2026\"><\/span>Cleaning company insurance rates in Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Company<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Employees<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Turnover<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Annual premium approx.<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Self-employed residential<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Less than $1<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$50,000<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$450 to $800<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Small Residential<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2 to 5<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$50,000 to $250,000<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$900 to $1,800<\/td>                        \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Commercial Maintenance (Offices)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">5 to 15<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$250,000 to $1 million<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,800 to $3,500<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Industrial\/Institutional<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">15+<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1M and over<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$3,500 to $8,000+<\/td>                        \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SAVE UP TO 25%<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Is your current premium too high?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers find real savings by shopping for your file with 9+ commercial insurers.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare my options<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cities-served-in-Quebec\"><\/span>Cities served in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Assur360 insures housekeeping and janitorial companies throughout Quebec, including <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong>, Longueuil, L\u00e9vis, Terrebonne, Repentigny and all surrounding regions. Our brokers know the specifics of local markets \u2014 urban condominiums, office towers, institutional buildings \u2014 and adjust your coverage accordingly. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Pages\"><\/span>Related Articles and Pages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Business Insurance \u2014 Complete Guide<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">All the essential commercial coverage for a Quebec SME.<\/p>\n  <\/a>\n  <a href=\"\/assurance-responsabilite-civile-entreprise\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Commercial General Liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protect yourself from lawsuits from third parties, customers or visitors.<\/p>\n  <\/a>\n  <a href=\"\/assurance-auto-commerciale\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Commercial Auto Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Fleet of vehicles, vans, vans used for your business.<\/p>\n  <\/a>\n  <a href=\"\/assurance-cyber-risques\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Cyber Risk Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protect your customer data, hours, addresses, and access codes from hacking.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Cleaning-business-insurance\"><\/span>Frequently asked questions \u2014 Cleaning business insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does personal home insurance cover my household activities?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Any commercial activity is excluded from a personal home policy. If you&#8217;re cleaning at customers&#8217; homes for a fee \u2014 even just one day a week \u2014 you need a separate <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">commercial policy<\/a>. Without it, a claim will be denied.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the minimum recommended amount of civil liability?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In Quebec, <strong>$2 million is the minimum<\/strong> accepted by most commercial and institutional clients. For public contracts, hospitals or high-value buildings, $ <strong>5 million<\/strong> is often required. Your Assur360 broker adapts the limit according to your current contracts.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is bonding?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Bonding compensates your customer if one of your employees commits theft or fraud on their premises (money, jewelry, equipment). This is different from liability \u2014 which covers accidental damage. Most maintenance contracts require a bonding of <strong>$10,000 to $100,000<\/strong> per employee.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are my employees covered against workplace accidents?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Your employees&#8217; workplace accidents are covered by the <strong>CNESST<\/strong> (Commission des normes, de l&#8217;\u00e9quit\u00e9, de la sant\u00e9 et de la s\u00e9curit\u00e9 du travail). Registration is mandatory from the 1st employee in Quebec. The CNESST is not a private insurance \u2014 it is a provincial public plan.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to insure my commercial or personnel vehicles?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Any vehicle used to transport equipment, employees or to travel to customers&#8217; homes must be insured under <a href=\"\/assurance-auto-commerciale\/\">commercial auto insurance (FPQ-1).<\/a> A personal policy excludes business use \u2014 a claim will be denied if the vehicle was used for work at the time of the loss. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do the chemicals I use increase my premium?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Standard products (degreasers, disinfectants, glass cleaners) are considered normal. On the other hand, the use of <strong>industrial solvents, acids, hydrofluorics, strong ammonia<\/strong> or disaster decontamination classifies your company in a higher risk profile. Be transparent with your broker \u2014 omitted information voids the policy in the event of a claim.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do my subcontractors need to have their own insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Ideally, yes. Require a $2 million SOA certificate by name from each subcontractor before they start a contract. Otherwise, your policy will have to extend the coverage \u2014 which increases the premium and deductible.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does it take to obtain a certificate of insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">At Assur360, once the quote is accepted, the <strong>official certificate is issued within 24 to 48 hours<\/strong> and sent directly to your client (building owner, manager, institution). For an urgent start, our brokers can speed up the process the same day. <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Does a personal home insurance cover my housekeeping activities?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Any commercial activity is excluded from a personal home policy. If you clean for clients for a fee, you need a separate commercial policy.\"}},{\"@type\":\"Question\",\"name\":\"What is the recommended minimum liability coverage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In Quebec, $2M is the minimum accepted by most commercial and institutional clients. For public contracts or hospitals, $5M is often required.\"}},{\"@type\":\"Question\",\"name\":\"What is bonding (employee surety)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bonding compensates your client if one of your employees commits theft or fraud on their premises. Most contracts require $10,000 to $100,000 per employee.\"}},{\"@type\":\"Question\",\"name\":\"Are my employees covered for workplace accidents?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Workplace accidents are covered by the CNESST. Registration is mandatory from the first employee in Quebec.\"}},{\"@type\":\"Question\",\"name\":\"Should I insure my vehicles commercially or personally?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Any vehicle used to transport equipment, employees, or to visit clients must be insured under commercial auto insurance FPQ-1.\"}},{\"@type\":\"Question\",\"name\":\"Do chemicals increase my premium?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Standard products are normal. The use of industrial solvents, acids, or decontamination after a loss classifies your business in a higher risk profile.\"}},{\"@type\":\"Question\",\"name\":\"Do my subcontractors need their own insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ideally yes. Require a $2M liability certificate from each subcontractor. Otherwise, your policy will need to extend coverage.\"}},{\"@type\":\"Question\",\"name\":\"How long does it take to obtain an insurance certificate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Once the quote is accepted, the official certificate is issued within 24 to 48 hours and sent directly to your client.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Chamber of Insurance<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> quotes completed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\">Service <strong>in French<\/strong> throughout QC<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Insure your housekeeping business<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare 9+ commercial insurers in 3 minutes. Submission without obligation. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Business Insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Housekeeping\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise-dentretien-menager\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Your housekeeping or janitorial business operates every day on your clients&#8217; premises \u2014 offices, condos, commercial buildings, hospitals, schools. A simple fall, [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":26931,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Housekeeping Insurance 2026 | QC | Assur360","_seopress_titles_desc":"2026 QC Housekeeping Business Insurance: $2 million RC, employee bonding, commercial auto. Free quote in 3 min. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Janitorial Business Insurance: Get a Quote in Less Than 3 Minutes","_seopress_social_fb_desc":"Compare insurance for cleaning companies. Fast free quote in Quebec. ","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/Assurance-Entreprise-dentretien-menager.png","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Janitorial Business Insurance: Get a Quote in Less Than 3 Minutes","_seopress_social_twitter_desc":"Get the right coverage for your cleaning business with our broker partners.","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/Assurance-Entreprise-dentretien-menager-1.png","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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