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What types of insurance do house cleaners 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
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Slip-and-fall accidents
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Third-party property damage
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Libel or slander lawsuits
Workers’ compensation insurance
Workers’ compensation insurance is required in almost every state for house cleaning businesses that have employees. It can cover medical bills for work-related injuries.
BEST FOR
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Employee medical expenses
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Partial missed wages
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Theft and repairs due to vandalism or weather
Commercial auto insurance
Commercial auto insurance covers costs stemming from injuries and property damage in an accident. It also covers repairs to vehicles damaged by weather or vandalism
BEST FOR
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Physical damage and collision coverage
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Injuries caused to another person
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Theft and repairs due to vandalism or weather
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
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Client accusations of theft
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Theft of property
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Stolen money
How much does insurance cost for cleaning professionals?
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Several factors will have an impact on insurance costs, including:
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Cleaning services offered
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Business equipment and property, such as company vehicles
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Revenue
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Location
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Number of employees
Why do house cleaners need insurance?
Housekeeper insurance can protect against many risks. A house cleaner might damage a television while dusting, get into a car accident on the way to a client’s house, or trip over a vacuum and break an arm. House cleaning insurance helps pay medical bills and lawsuits stemming from these issues and others.
