Trade × state guide
Insurance for cleaning businesses in Massachusetts.
In Massachusetts, cleaning businesses usually need general liability and surety bond. On workers' compensation, Massachusetts's rule is: Required for all employers with one or more employees (including part-time and family members; domestic workers must work 16+ hrs/week).[S]Massachusetts workers' compensation threshold
Updated 2026-05-16 · Beaconcover editorial§ 01
State desk
Licensing notes for Massachusetts.
- Home Improvement Contractor (HIC) registration applies to residential work
- Broad first-employee coverage requirement, few exemptions
§ 02
Required cover
Coverage cleaning businesses typically need.
- ✓General liability
- ✓Surety bond
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