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House cleaner insurance that protects your business
Housekeeping insurance helps cover common risks like client injuries and accidental damage to their property—making liability coverage especially important. Some clients may also require you to be bonded, which can help reimburse them in cases of employee theft and build trust in your services.
Find the right coverage
Our licensed insurance agents will help you find policies that match your unique business needs. Get peace of mind knowing you have the right business insurance coverage.
Fill out Insureon's easy online application to get started.
What types of insurance do house cleaners and maids need?
These policies provide coverage for common risks faced by house cleaners.
General liability insurance
This policy protects house cleaning businesses against legal fees from common risks, such as client injuries and damage to client property. Add lost key coverage for more complete protection.
BEST FOR
- Slip-and-fall injuries
- Accidental property damage
- Libel and other advertising injuries
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
- Theft of property
- Stolen money
- Securing contracts
Workers’ compensation insurance
Most states require workers' comp for house cleaning businesses with employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance is usually required for business vehicles. It covers third-party medical bills, property damage, and vehicle damage in an accident.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Theft and repairs due to vandalism or weather
Business owner's policy
A business owner's policy (BOP) is an affordable way for house cleaning companies to buy general liability coverage and commercial property insurance together.
BEST FOR
- Third-party bodily injuries
- Damaged client property
- Damage to your building or its contents
Commercial umbrella insurance
Commercial umbrella insurance boosts the policy limits of a house cleaning service's general liability, commercial auto, and employer's liability insurance.
BEST FOR
- Customer lawsuits over accidents
- Auto accidents
- Employee injury lawsuits
Looking for different coverage? See more policies.
How much does house cleaning insurance cost?
House cleaning businesses that purchase through Insureon pay an average of:
- General liability: $44 per month
- Workers' comp: $116 per month
- Commercial auto: $138 per month
Factors that affect house cleaning business insurance costs include:
- Business type, such as maid services or carpet cleaning
- Value of your business property and cleaning equipment
- Business size and revenue
- Types of business insurance purchased
- Coverage limits, deductibles, and endorsements, such as additional insureds
- Claims history
State insurance requirements
See cleaning business insurance requirements in your state
Select your state to learn about insurance requirements for your small business.
How do I get house cleaning insurance?
It’s easy to get insurance coverage as a house cleaner or owner of a cleaning business if you have your business information on hand. Our insurance application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare quotes and choose insurance policies.
- Pay for your policy and download your proof of insurance.
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your house cleaning business, whether you work independently or hire employees.
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
"For new house cleaning businesses, being properly insured is one of the fastest ways to build credibility with clients."
– Jess Golden, Senior Sales Producer, Insureon
FAQs about insurance for house cleaning businesses
Review answers to frequently asked questions about house cleaners' business insurance policies and more.
Do I need a license for my house cleaning business?
Most states require house cleaning businesses to file for a general business license and register their business. A general license allows you to collect and report sales tax on cleaning supplies you purchase and charge your clients for.
Additionally, if you call your business by any name other than your own, you'll need a doing business as (DBA) license to operate legally.
Area laws may require you to have a specific license, bond, or permit. Requirements can vary by location—and may differ from commercial or janitorial cleaning businesses, which often have stricter standards.
If you regularly handle cleaning product disposal or harsh cleaning agents, you'll likely have to obtain a special permit that's regulated by the Environmental Protection Agency (EPA). It’s also important to note some clients or contracts may require proof of coverage before they’ll hire you.
Be sure to check with your state and local municipality for any licensing, bonding, and insurance requirements that apply to your business.
Is house cleaning business insurance required by law?
In most cases, house cleaning business insurance isn’t required by law, but there are some exceptions.
If you have employees, most states require you to carry workers’ compensation insurance, and if you own a vehicle for business use, commercial auto insurance may also be required.
Even when coverage isn’t legally mandated, some clients or contracts may require a certificate of liability insurance (COI) before they’ll hire you.
Should you buy insurance for your house cleaning business if you are self-employed?
Even if you don’t have employees, insurance can be an important safeguard for your house cleaning business.
Coverage like general liability insurance can help protect you from out-of-pocket costs if a client is injured or you accidentally damage their property while working in their home. Without coverage, even a single claim could be expensive to handle on your own.
It’s also important to consider your own protection. If you’re injured on the job, your personal health insurance may not cover work-related injuries, leaving you responsible for medical bills and lost income. In these cases, a workers’ compensation policy, even for a self-employed cleaner, can help fill that gap by covering medical expenses and a portion of lost wages.
Insurance can also help you grow your business—especially if you’re just getting started. Many clients feel more comfortable hiring a cleaner who is bonded and insured.
Having insurance in place can signal professionalism, build trust, and help you compete for higher-value or recurring jobs.
What other types of coverage do house cleaning businesses need?
To fully protect your cleaning business, you may need additional coverage beyond a standard liability policy. Other types of insurance often bought by house cleaning businesses include:
- Hired and non-owned auto insurance (HNOA) is a must if you or your employees use personal, leased, or rented vehicles for work. Your personal auto insurance is unlikely to cover you for a work-related accident, such as visiting a client’s home or transporting supplies between jobs.
- Inland marine insurance provides coverage for business property, such as cleaning products and equipment, while it’s in transit or stored at a location outside of your main business office. For example, it can help cover losses if your equipment is stolen from your vehicle or damaged at a jobsite. This coverage is sometimes referred to as tools and equipment coverage.
- Commercial property insurance safeguards your building and its contents against financial losses from fires, storms, and burglaries. It's important to have commercial property coverage since homeowner's insurance provides little to no protection for business property.
- Business personal property (BPP) insurance covers your business personal property, which doesn't include buildings or offices. It protects your cleaning equipment while it's stored at a designated location, but you'll still need inland marine coverage for while it's in transit or at a jobsite.
- Lost key coverage can help pay for the cost of replacing locks if a client’s keys are lost or stolen—an important consideration when you’re regularly entrusted with access to private homes.
- Business interruption insurance, also called business income coverage, helps replace lost income and cover ongoing expenses if your business is temporarily unable to operate due to a covered event, such as a burst pipe damaging your storage space or equipment.
Some of the above coverages, such as HNOA and BPP coverage, can be added to your general liability policy as an endorsement.
How do I find affordable insurance for house cleaners and maid services?
It's easy to find affordable house cleaner's insurance that matches your unique risks and budget. One way is to review coverage options from different insurance carriers, and with Insureon's easy online application, you're able to get free quotes from several insurance companies.
There are a few other ways small business owners can save, such as:
- Bundling policies. The most popular option is a business owner's policy, which pairs your general liability insurance policy with property insurance to save money.
- Customizing policies. You can choose lower limits, a higher deductible, or certain exclusions to save on your premium.
- Focusing on safety. Fewer accidents mean fewer liability claims, which helps lower your insurance costs.
Learn more about how to find cheap business insurance for small businesses.