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Why do house cleaners need insurance?
Housekeeping insurance can help cover costs if a client slips on a wet floor and suffers an injury, or an employee steals property from a client's home. Some clients may require proof of insurance before they'll hire you.
Find the right coverage
Our licensed insurance agents will help you find policies that match the unique risks of house cleaning. Get free expert advice and peace of mind knowing you have the right business insurance coverage.
Fill out Insureon's easy online application to get started.
What types of insurance do house cleaners and maids need?
These policies provide coverage for common risks faced by house cleaners.
General liability insurance
This policy protects house cleaning businesses against common risks, such as client injuries and damage to client property. Add lost key coverage for more complete protection.
BEST FOR
- Slip-and-fall injuries
- Accidental property damage
- Libel and slander lawsuits
Workers’ compensation insurance
Most states require workers' comp for house cleaning businesses with employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Partial lost wages
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance is usually required for business vehicles. It covers third-party medical bills and property damage in an accident, along with vehicle damage.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Theft and repairs due to vandalism or weather
Business owner's policy
A business owner's policy (BOP) is an affordable way for house cleaning companies to buy general liability coverage and commercial property insurance together.
BEST FOR
- Third-party bodily injury
- Damaged client property
- Theft of cleaning equipment
Commercial umbrella insurance
Commercial umbrella insurance boosts the policy limits of a house cleaning service's general liability, commercial auto, and employer's liability insurance.
BEST FOR
- Customer lawsuits over accidents
- Auto accidents
- Employee injury lawsuits
Janitorial bonds
Janitorial bonds are a type of surety bond that protect your house cleaning clients if one of your employees steals their cash or belongings.
BEST FOR
- Theft of property
- Stolen money
- Securing contracts
Looking for different coverage? See more policies.
How much does house cleaning insurance cost?
A small business with a few maids will pay less for insurance than a large house cleaning company.
Factors that affect the cost of house cleaning insurance include:
- Business type, such as maid service or apartment cleaning
- Value of business personal property
- Business size and revenue
- Types of business insurance purchased
- Policy limits and deductibles
How do I get house cleaning insurance?
It’s easy to get insurance coverage as a house cleaner or owner of a cleaning business if you have your business information on hand. Our insurance application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare quotes and choose insurance policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your house cleaning business, whether you work independently or hire employees.
State insurance requirements
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