How much liability insurance does a cleaning business need?

The answer depends on how much you can anticipate your potential liability to be.

For example, if you are cleaning, run a frayed extension cord to the sweeper. If a fire occurs and kills a sleeping child, or if the fire spreads to another house, the damages can be very great.

Recognize though, that liability insurance policies come in various varieties, and usually have "per occurrence" limits. There are likely programs that are specially designed for your industry and which reflect typical liability limits. In all events, you should consult a licensed insurance broker who is knowledgeable about the nature of your business for guidance.

Requirements also vary by state.