Types of Insurance


Insurance Help


Log In

House Cleaning Insurance & Maid Service Insurance

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

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.

Are You Ready to Get Covered?

Prefer to speak with a CoverWallet consultant? Call

(646) 844-9933