How much does a Coverall franchise cost?
The 2026 Coverall Franchise Disclosure Document states that the total estimated initial investment is $17,986 to $64,280. The applicable amount depends mainly on the Franchise Package selected, from P-3,000 through P-10,000, and on insurance, staffing, vehicle, equipment, and four-month start-up funding assumptions.
- Legal franchisor
- Coverall North America, Inc., a Delaware corporation doing business as Coverall®.
- Disclosure date
- Issued March 30, 2026.
- Offer structure
- One home-based commercial cleaning model sold through five Franchise Packages: P-3,000, P-4,000, P-5,000, P-7,000, and P-10,000.
- Financial Items used
- Items 5, 6, 7, 8, 10, 11, and 17, with emphasis on Items 5–7.
- Information checked
- July 17, 2026. The brand continues to present U.S. franchise opportunities on its official U.S. franchise website.
What are the key Coverall cost figures?
The Initial Franchise Fee is the largest fixed opening payment, but it is only one part of the Item 7 total. The continuing Royalty Fee and Support Fee are separate operating obligations based on Gross Dollar Volume.
How does the Initial Franchise Fee change by package?
Coverall sells franchise rights in five Franchise Packages defined by the Initial Business volume the franchisor is obligated to offer. The package label is not an earnings projection. A larger package carries a higher Initial Franchise Fee and a longer Initial Business Offering Period.
Interpretation: the P-10,000 Initial Franchise Fee is about 2.6 times the P-3,000 fee. Bar heights are derived from the disclosed fixed fees; the dollar labels are official FDD amounts. Source: 2026 FDD, Item 5, pp. 22–23.
Coverall's package commitment changes the payment and fulfillment timeline
The lowest advertised cash entry point is a franchise-fee down payment, not the full amount required to start. Other Item 7 expenditures remain payable.
What does the $17,986 to $64,280 investment include?
Item 7 includes franchise rights, required cleaning assets, entity setup, office materials, apparel, insurance, transportation, and four months of Additional Funds. The FDD does not require a retail site, leasehold improvements, signage, or opening inventory for resale.
| Item 7 expenditure | Disclosed amount | Payment timing and payee | FDD reference |
|---|---|---|---|
| Initial Franchise Fee | $15,570–$40,320 | At Franchise Agreement signing; Coverall. | Item 7, pp. 31–32 |
| Initial Equipment and Supply Package | $1,060–$2,630 | As incurred; Coverall or supplier. | Item 7, p. 32 |
| Corporate Filings, Banking, Business License, and Permits | $175–$500 | As incurred; government or financial institution. | Item 7, p. 32 |
| Office Supplies & Equipment | $0–$120 | As incurred; supplier. | Item 7, p. 32 |
| Apparel | $15–$160 | As incurred; Coverall or supplier. | Item 7, pp. 32–33 |
| Misc. Pre-Opening Costs | $0–$300 | As incurred; supplier. | Item 7, p. 32 |
| Item 7 expenditure | Disclosed amount | What changes the amount | FDD reference |
|---|---|---|---|
| Additional Funds | $314–$3,500 | Four-month start-up phase; package size, customer coverage, and possible extra equipment. | Item 7, pp. 32–33 |
| General Liability Insurance | $0–$1,500 | Provider, history, state, payment terms, and Gross Dollar Volume. | Item 7, pp. 32–33 |
| Franchise Owner On-the-Job Accident Insurance | $0–$1,000 | Coverage source, owners covered, and Gross Dollar Volume. | Item 7, pp. 32–33 |
| Janitorial Fidelity Bond | $23–$50 | Background-screening result and coverage source. | Item 7, p. 32 |
| Automobile Insurance | $500–$5,800 | Annual estimate for one vehicle; carrier, record, location, vehicle, and mileage. | Item 7, pp. 32–34 |
| Workers' Compensation Insurance | $104–$6,000 | Required when non-owners provide services; payroll, rates, staffing, and state rules. | Item 7, pp. 32–34 |
| Vehicle | $225–$2,400 | Existing insured vehicle versus lease or purchase payments, fuel, and maintenance. | Item 7, pp. 32–34 |
Interpretation: staffing and transportation create the largest non-franchise-fee variability. Bar positions are derived only to show the official low and high bounds on a common scale. Source: 2026 FDD, Item 7, pp. 31–34.
When is the money paid?
The largest payment is due at Franchise Agreement signing, unless Coverall approves financing. The remaining opening expenditures are paid as incurred, while recurring fees and financed-note payments are generally deducted after customer billing begins.
What financing does Coverall disclose?
Coverall may finance part of the Initial Franchise Fee for credit-worthy applicants, equipment purchases, and some Additional Business fees. Approval is not guaranteed, and financed debt remains payable even when customer collections are insufficient.
| Financed obligation | Amount and down payment | Term and rate | Security or default consequence |
|---|---|---|---|
| Initial Franchise Fee | $11,570 to $18,063.36 financed; $4,000 to $22,256.64 down, depending on package. | 12 to 30 months; 6%, 9%, or 12% APR, depending on package and term. | Owner guaranty; late penalties, acceleration, fees, and possible franchise termination. |
| Equipment Purchases | Up to 100% financed; down payment may range from $0 to 100%. | Up to 24 months; 18% or the highest lawful state rate, whichever is less. | Owner guaranty and equipment pledge; Coverall may take back equipment after default. |
| Additional Business | Negotiable; usually up to 80% financed and as low as 20% down. | Negotiable, up to 12 months; Item 10 lists 9% for up to six months or 12% for up to nine months. | Owner guaranty; late penalties, acceleration, and fees. |
Which Coverall fees continue after opening?
The core recurring charges are a 5% Royalty Fee and a 10% Support Fee, each calculated on monthly Gross Dollar Volume. The FDD defines Gross Dollar Volume as the total amount billed to customers for cleaning services. These fees apply even to services generated by the franchisee.
| Fee | Amount or basis | Timing | When it applies |
|---|---|---|---|
| Royalty Fee | 5% of Gross Dollar Volume | Monthly deduction | All cleaning services andSpecial Services. |
| Support Fee | 10% of Gross Dollar Volume | Monthly deduction | Business support, billing, collection, record keeping, cash-flow protection, and customer assistance. |
| Ongoing Equipment and Supply Packages | Varies | As incurred | Mandatory purchases must meet Coverall specifications; approved suppliers may be used. |
| General Liability Insurance Program | $58–$375 monthly initially; up to $5,000 monthly | Monthly deduction | Optional Coverall program; amount depends on Gross Dollar Volume. |
| Accident Insurance Program | 2.4% of Gross Dollar Volume, capped at $600, plus $15 per additional owner | Monthly deduction | Optional program for the first shareholder or member owner and additional owners. |
| Fidelity Bond | $5.95–$35 monthly | Monthly deduction | Optional program; eligibility depends on background screening. |
| Electronic Fund Transfer Fee | $0–$9.95 per transfer | Monthly deduction | Mandatory funds-transfer service. |
| National Account Customer Retention | Percentage or portion set when accepted | Monthly deduction | Optional National Account Customer participation; amount is not fixed in the FDD. |
Which fees are triggered by a transaction or problem?
Several Item 6 obligations arise only when a franchisee accepts extra business, takes an advance, transfers the franchise, breaches an obligation, or requests an additional service.
- Sales and Marketing Fee for Additional BusinessCurrently 4.5 times one month's billing of the additional volume, capped at 5.0 times; due when the customer is accepted. Additional Business is optional.
- Operating Advance FeeUp to 10% of the approved amount advanced; due the month after the advance.
- Special Services Finder's FeeNot currently charged; Coverall reserves the right to charge 20% of the Special Services contract price in the future when Coverall finds the work.
- Franchise Transfer Fee$1,500 before or at transfer. The transferee must also satisfy approval and training conditions.
- Audit FeeVariable audit cost if an audit finds a prohibited competing-business or customer-diversion violation.
- Liquidated Damages$500 per day if customer keys, security codes, or cards are not timely returned after service ends.
- Attorneys' Fees, Costs, and IndemnificationVariable amounts if Coverall prevails in enforcement or incurs covered losses arising from the franchise operation.
- Application and documentation charges$85 per Franchise Application or requested background check; up to $200 for knowingly false application information.
- Other pass-through or requested charges$60 to $250 for state-mandated training reimbursement, $15 to $40 per person for branded apparel, and $0 to $25 for a requested statement reprint.
Does Coverall require a stated liquid capital or net worth minimum?
The 2026 FDD does not state a single minimum Liquid Capital, Net Worth, or Non-Borrowed Funds threshold for applicants. It does state that Coverall conducts background and financial investigations, and that Initial Franchise Fee financing is generally offered to credit-worthy Franchised Businesses. A financing down payment is therefore not the same as a published liquidity qualification.
What does the Item 7 range leave unresolved?
The official range is a disclosure estimate, not a cap. Coverall expressly states that the Additional Funds estimate may be insufficient and that several costs depend on local or buyer-specific circumstances.
- Confirm the package-specific Item 7 total.Item 7 publishes one systemwide range rather than a separate complete total for each P-package.
- Reconcile the $85 Franchise Application Fee.Ask where it is reflected because Item 6 lists it separately and Item 7 does not.
- Price required insurance from both sources.Coverall's Business Protection and Accident Insurance Programs are optional, but equivalent insurance, workers' compensation when applicable, automobile insurance, and bonding remain required.
- Verify payroll and owner living costs.Item 7 excludes payroll because many new franchises have no employees during startup; it does not identify owner compensation or personal living expenses as included.
- Verify the vehicle assumption.A vehicle is required, and the range differs sharply depending on whether an insured vehicle is already available.
- Check customer-specific equipment.The Additional Funds maximum includes possible equipment such as a floor polisher, but customer requirements may create further purchases.
- Review current supplier specifications.Equipment, chemicals, supplies, apparel, and technology must satisfy Coverall standards even when purchased from an approved third party.
- Ask about inflation adjustments.Item 6 allows fixed-dollar fees to be adjusted for inflation or increased third-party vendor costs.
Can discounts or later events change the cost?
A full cash payment receives a 5% Initial Franchise Fee discount. The FDD also states that qualified veterans may receive a 10% Initial Franchise Fee discount, while Coverall's current veteran franchise page advertises up to 10%.
The Franchise Agreement has a 20-year term and no automatic renewal right. Item 17 does not disclose a fixed successor-term fee, but the then-current agreement may contain higher Royalty Fee or Support Fee terms. A transfer may require the $1,500 Franchise Transfer Fee, approval, training, a new Franchise Agreement, and a general release.
Sources: 2026 FDD, Item 5, pp. 22–24; Item 6, pp. 26–31; Item 17, pp. 50–53.What capital question should a buyer resolve before signing?
The controlling 2026 cost range is $17,986 to $64,280, not the $4,000 minimum franchise-fee down payment shown in some marketing. The main cost drivers are the selected Franchise Package, the Initial Franchise Fee, staffing-related Workers' Compensation Insurance, Automobile Insurance, the availability of an insured vehicle, required equipment, and the adequacy of four months of Additional Funds.
A buyer should obtain a package-specific written schedule that reconciles the Item 7 total, the $85 Franchise Application Fee, financing interest, insurance source, vehicle assumption, and all deductions expected when customer billing starts. That schedule should keep the Total Initial Investment, Initial Franchise Fee, financing down payment, Additional Funds, Royalty Fee, and Support Fee separate.