How Much Is Business Insurance
for Maids and Home Cleaning Businesses?

Because maids must enter clients' homes and places of business to do their work, they are exposed to some unique risks. For example, your maid business can be legally responsible for property damage, injuries caused by your cleaning, and breached cleaning contracts.

Maid insurance can cover the cost of lawsuits and other expenses that could bankrupt your business. But how much can you expect your premiums to be?

Below, we've compiled sample quotes based on what maid services businesses usually pay for coverage. Your actual yearly premiums depend on the specifics of your business. These figures are intended only as a reference point to offer you a ballpark figure of what insurance might cost for a maid business.

HOW MUCH IS
General Liability Insurance?

How Much Is General Liability Insurance?

If you accidentally damage customer property while carrying out your work, you'll need General Liability Insurance to cover the replacement costs. So say, for example, one of your maids knocks an expensive work of art off a shelf. GL Insurance can cover the cost of a lawsuit if the client sues. This coverage can also pay for lawsuits over bodily injuries and advertising injuries (e.g., libel or slander).

General Liability Insurance typically costs maids $374 to $696 in annual premiums.

Average Premiums, Deductibles and Limits on General Liability Insurance Policies for Maids and Home Cleaning Businesses
Name USD

Median policy premium:

$374 - $696

Median policy limit:

$2 million

Median policy deductible:

None

To see how the cost of General Liability Insurance for maids and home cleaning businesses compares with other industries, visit Insureon's General Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a Business Owner's Policy?

How Much Is a Business Owner's Policy?

A Business Owner's Policy is a smart way for maids to save money on their insurance and still get a range of coverage. A BOP is a two-policy bundle that includes General Liability and Property Insurance. BOP Property Insurance covers your cleaning equipment and supplies. If your business property is lost or damaged because of fire, theft, vandalism, or windstorms, your Property coverage can pay for repairs or replacements.

Business Owners Policies typically cost $725 to $1,056 annually for maid services.

Average Premiums, Deductibles and Limits on BOP Insurance Policies for Maids and Home Cleaning Businesses
Name USD

Median policy premium:

$725 - $1,056

Median policy limit:

$2 million

Median policy deductible:

$500

HOW MUCH IS
Workers' Compensation?

How Much Is Workers' Compensation Insurance?

Per state laws, your business may be required to have Workers' Compensation Insurance. Workers' Comp pays for employee medical costs and lost wages when they are injured at work. Say a maid slips while mopping a floor at a client's home. Workers' Comp can pay for the maid's medical treatment, physical therapy, and replacement wages. If you have questions about your Workers' Comp requirements, check your state's Workers' Comp laws.

Workers' Comp for maid services typically costs $1,616 to $3,185 in annual premiums.

Average Premiums, Deductibles and Limits on Workers' Compensation Insurance Policies for Maids and Home Cleaning Businesses
Name USD

Median policy premium:

$1,616 - $3,185

Median policy limit:

$100,000

Median policy deductible:

None

HOW MUCH IS
Commercial Auto Insurance?

How Much Is Commercial Auto Insurance?

If your business owns a vehicle, you need to address your auto liability with Commercial Auto Insurance. When your vehicle is involved in an accident, this policy pays for repairs, lawsuits, and can even cover damage caused by uninsured drivers.

Commercial Auto coverage for maid businesses typically costs $1,533 to $3,152 a year.

Average Premiums, Deductibles and Limits on Commercial Auto Insurance Policies for Maids and Home Cleaning Businesses
Name USD

Median policy premium:

$1,533 - $3,152

Median policy limit:

Varies

Median policy deductible:

None (liability only)

HOW MUCH IS
Umbrella Insurance?

How Much Is Umbrella Insurance?

Umbrella Insurance protects maid businesses from a nightmare scenario: a lawsuit is so expensive that it costs more than your insurance will cover. When that happens, you can make a claim on your Umbrella Insurance and apply its coverage to your General Liability, Commercial Auto, or Employer's Liabiltiy policy.

Umbrella Insurance typically starts at $400 a year for maid services.

Average Premiums, Deductibles and Limits on Umbrella Insurance Policies for Maids and Home Cleaning Businesses
Name USD

Median policy premium:

$400

Median policy limit:

$1 Million

Median policy deductible:

None

To see how the cost of Umbrella Insurance for maids and home cleaning businesses compares with other industries, visit Insureon's Umbrella Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a Surety Bond?

How Much Is a Janitorial / Surety Bond?

Some clients require maid companies to have a Surety Bond. A Surety Bond is an agreement between you, an insurance company, and your clients. The insurer agrees to reimburse your clients if you can't fulfill a contract or the client has a problem with your work. In turn, you agree to pay back the insurance company the amount it paid your customers. In essence, Surety Bonds provide a way for you to guarantee your contracts.

It typically costs $100 a year for maids to be bonded.

Average Premiums and Limits on License and Permit Bonds for Maids and Home Cleaning Businesses
Name USD

Median policy premium:

$922

Median policy limit:

Varies

Median policy deductible:

None

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