House Cleaning Insurance & Maid Service Insurance

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Receive your first house cleaning quote in minutes

    You need insurance before you can book the big job? Don't worry we got this. We can get your Certificates of Insurance (COI) almost instantly. Apply online and get your COI delivered to you at light speeds.

  • Fast and effortless maid service insurance

    All it takes is just a few seconds to get a free quote and purchase your insurance. Our smart and easy online application will get you protected just in time. Get a quote today!

  • Low-cost monthly insurance, affordable for every domestic cleaning business

    With 4.6 stars out of 5, we understand what our customers need. This allows us to create customized plans fit for your business. Our plans provide the best coverage and competitive price.

  • All-in-one risk free insurance made just for you

    Relax. We've got you. We make sure that your house cleaning business is protected. Don't hesitate to give us a call. Our personal advisor will provide you with the best insurance possible for your business.

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands

General Liability (GL)

From
29
Month
Instant quote »

Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
39
Month
Instant quote »

All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown
Get STANDARD plan

PRO

Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

From
39
Month
Instant quote »

All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, etc.

From
___
Month
Instant quote »

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

General Liability

General Liability insurance covers costs to replace or fix damage to a customer’s property, or medical and other expenses resulting from a third party being injured because of your services.

Fidelity Bond

When a customer sues your business because an employee stole their property, you need special coverage to pay the costs, and Fidelity Bond covers this. Some companies add this coverage as an endorsement to their General Liability or Business Owners Policy (BOP).

Commercial Auto

Commercial Auto insurance covers costs associated with car accidents, including damage to your company vehicle and liability for injury or property damage.

Workers Compensation

Many states require Workers' Compensation insurance once you have a minimum of employees (the minimum number varies by state). It pays medical expenses and lost wages when employees suffer an injury at work.

Non-Owned & Hired Auto

If employees use personal vehicles to travel to jobs and cause an accident, third parties can still file a lawsuit against your maid services business. Hired & Non-Owned Auto insurance is an extra layer of coverage that pays the associated costs, like property damage, settlements, and defense.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

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.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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