House Cleaning Insurance & Maid Service Insurance
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What Insurance Do House Cleaning & Maid Service Need?
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
A Fidelity Bond is an insurance product that protects your small business from any financial losses resulting from fraudulent or dishonest acts by employees. Where it's embezzlement, indentity theft or forgery, a Fidelity Bond will protect you from losses.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Hired and Non-Owned Auto Insurance protects your small business that hires vehicles or allows employees to borrow company vehicles for business purposes. You're covered for claims of personal injury and property damage if any of your vehicles is involved in an accident.
House Cleaning Insurance FAQs
Why do Maid Services need insurance?
More and more Americans rely on house cleaning or maid services to help maintain household cleanliness. As a maid services business owner, providing quality cleaning services is a top priority. But running a business also means you are responsible for operational decisions like buying insurance.
Customers trust you and your employees with their most valuable assets which open the door to numerous risks. Buying insurance is a key way to protect you from risks, lawsuits, and claims against your maid services business.
What risks do Domestic Cleaning Businesses face?
- Theft Accusations: Theft accusations occur daily. Whether you know you didn’t steal the item, or your employee steals something but denies it, you can be financially responsible for the lost valuables.
- Property Damage: Proper cleaning services require equipment and chemical cleaners that can damage property. If spilled cleaner stains a rug or you move accidentally break a vase, you are responsible for replacing it. It could be thousands.
- Car Accidents: Whether you have a business vehicle or employees that drive their personal vehicles, your business can be sued for damages caused by auto accidents.
- Injuries Resulting from Services: When somebody falls on a wet floor after cleaning, you can be responsible for their medical bills. If the injury is severe and requires them to miss work; you may also be required to pay lost wages.
- Injured Employees: Bigger companies employ others to provide cleaning services. With the amount of physical activity, they can become injured at work.
While this list is short, it is important to understand what your business can be financially responsible for. Not having the right insurance could force you out of business.
How much does House Cleaning Insurance cost?
Depending on the type of coverage and insurer, insurance for maids varies. Many insurers review your policies and procedures for hiring, whether you use contracts, past claims history, and length of time in business to calculate risk and premium. You can receive a free insurance quote now by completing the form.