House Cleaning Business Insurance

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House Cleaning
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Find the right insurance for your house cleaning business

House cleaning insurance can help cover costs if a client slips on a wet floor and breaks an arm, or one of your employees is accused of stealing jewelry or money from a client's home.

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Insureon helps house cleaners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do house cleaners and maids need?

These policies provide coverage for common risks faced by house cleaners.

General liability insurance icon

General liability insurance

This policy protects house cleaning businesses against common risks, such as client injuries and damage to client property. Add lost key coverage for more complete protection.

  • Slip-and-fall injuries
  • Accidental property damage
  • Libel and slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for house cleaning businesses that have employees. It can cover medical bills for work-related injuries.

  • Employee medical expenses
  • Partial lost wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers costs stemming from injuries and property damage in an accident. It also covers repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Theft and repairs due to vandalism or weather
Business owner’s policy icon

Business owner's policy

A business owner's policy (BOP) is an affordable way for house cleaning companies to buy general liability insurance and commercial property insurance together.

  • Slip-and-fall injuries
  • Damaged client property
  • Theft of cleaning equipment
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts the policy limits of a house cleaning company's general liability, commercial auto, and employer's liability insurance.

  • Customer lawsuits over accidents
  • Auto accidents
  • Employee injury lawsuits
Surety bond icon

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.

  • Client accusations of theft
  • Theft of property
  • Stolen money
Looking for different coverage? See more policies.

Why do house cleaners need insurance?

Housekeeper insurance can protect against many risks. A house cleaner might damage a television while dusting, get into a car accident on the way to a client’s house, or trip over a vacuum and break an arm. House cleaning insurance helps pay medical bills and lawsuits stemming from these issues and others.

How much does house cleaning insurance cost?

Woman with clipboard calculating cost of insurance for her cleaning business.

Several factors will have an impact on insurance costs, including:

  • Value of your house cleaning equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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