The invention relates to liquid detergent and cleaning agent compositions of high storage stability. They comprise a liquid medium with a water content of up to 15 wt. % and particulate coating bleaching agents suspended therein. The bleaching agent has a dissolving time of at least 5 minutes and a coating of at least two layers: The innermost layer comprises one or more hydrate-forming inorganic salts as the main component(s), and an outer layer, which makes up 0.2 to 5 wt. % of the coated bleaching agent, comprises alkali metal silicate(s) with a modulus of SiO2 to M2O (M=alkali metal) of greater than 2.5 as the main component(s). Preferred compositions comprise sodium percarbonate with an innermost layer of substantially sodium sulfate and an outermost layer of substantially 0.5 to 1.5 wt. % sodium silicate (modulus 3.2 to 4.2) as the bleaching agent.