House Cleaning Insurance & Maid Service Insurance

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Better, Regardless of Your Size

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands


General Liability (GL)

From
29
Month
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Includes:

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

STANDARD

When you also have equipment or operate from an office


General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

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

PRO

Get protected against employment-related issues


Business Owners Policy (BOP) + Workers Compensation*

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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

CUSTOM

When you have specific requirements


Including Commercial Auto, Surety Bonds, etc.

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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.

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