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Easy, just call an agent, ask how much liability ins cost, he should ask you questions like how much ins, how many employees if any, expected gross sales, etc. Also he will ask or you should if he does not, if you are required to buy worker's compensation ins -- ask him what the legal requirements are in your state for workers comp. He will ask if you have a commercial vehicle or other property such as buffers, mops, buckets, other tools you may want to insure for fire, theft, etc. As to the bond, well, there probably is no statute or law that requires a "surety"bond of you - surety bonds are extensions of credit and not insurance and must be required by some city, state, etc for you to engage in the cleaning business - I have never known of any such requirement. Then there are traditional "fidelity" bonds that are insurance contracts that reimburse you, the employer, for your loss of your propertty caused by dishonest acts of your employers. If you have no employees then you do not need a fidelity bond. There is a bond that does not fall within surety or fidelity categories. Rather it's a bond written by many surety/insurance companies that I call a form of fidelity insurance that would, for example, 1) offer you the opportunity to say that you were "bonded" 2) offer you some limited protection in the event one of your employees (not you the owner), were to be convicted in a court of law of stealing from one of your clients. This bond has very few claims as one must not simply accuse your employee but must actually seek and obtain criminal prosecution in a court of law. I trust this info helps you. You best bet is to sit down with a couple of agents and discuss your specific plans as there may be other coveages you might want to consider.
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