Do you need liability insurance for a cleaning service?

Commercial Liability Insurance It may not be required by law, but it could be a good idea to carry some liability coverage, a minimum of $100,000 in case of an accident, injury or property damage to another party (usually your client) resulting from your operations or completed work.

It will most likely be a contractual requirement of any sophisticated or government clients. The cost differential between $100K & $1M of coverage will be minimal - strongly consider the higher limit.