How much does house cleaning insurance cost?

House cleaning businesses pay a median premium of $42 per month or $504 annually for general liability insurance.

This policy protects house cleaners against lawsuits over customer property damage and injuries, such as a client tripping over a vacuum cleaner while a maid is working. It also protects against advertising injury lawsuits, such as a competitor suing your company for saying something negative about them on social media.

• Median cost per year: $504
• Median per-occurrence limit: $1 million
• Median aggregate limit: $2 million
• Median deductible: None

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.

Insureon’s licensed agents typically recommend purchasing a business owner’s policy (BOP), which bundles general liability insurance with commercial property insurance, often at a discount. It protects your own business property and cleaning equipment and guards against common third-party risks.

Cleaning businesses in general pay a median premium of $43 per month or $520 annually for a BOP, likely because only small, low-risk businesses are eligible. The cost primarily depends on the value of your business property.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's business owner's policy cost analysis page.

The median cost of workers' compensation insurance for house cleaning businesses is $138 per month or $1,655 annually. The cost depends on which state your business is located in, the number of employees you have, and your profession’s risks.

Workers' compensation is required in almost every state for house cleaning businesses with employees. This coverage helps pay medical bills and lost wages for employees who are injured on the job. Most policies include employer's liability insurance, which provides protection in case a maid sues over a work injury.

Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.

House cleaning businesses pay a median premium of $134 per month or $1,606 per year for commercial auto insurance. This policy covers property damage and medical bills due to an accident involving your business vehicle, along with vehicle damage and theft.

Businesses with company-owned vehicles, such as a van used to transport house cleaning equipment and supplies, must purchase commercial auto insurance. The cost will vary depending on the type and number of vehicles your business owns, together with factors like how often they are driven.

Learn how coverage limits and other factors affect the cost of this policy on Insureon's commercial auto insurance cost analysis page.

Most companies purchase commercial umbrella insurance when they need to satisfy a client’s requirements for higher limits on their general liability insurance. House cleaning businesses pay a median premium of $51 per month or $606 per year for this policy.

Umbrella insurance boosts the limits of your house cleaning company’s general liability, commercial auto, and employer’s liability insurance in $1 million increments. Once the underlying policy’s limit is reached, umbrella insurance provides additional protection. Your premium depends on the amount of coverage that you buy.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's umbrella insurance cost analysis page.

With a median cost of only $8 per month or $100 per year for house cleaners, a janitorial bond is an affordable way to gain client trust. The cost of a janitorial service bond is determined by the amount of coverage you purchase.

A janitorial bond is a type of surety bond that protects against losses caused by dishonest employees. If one of your house cleaners steals from a client, it would compensate the client. However, this bond doesn’t cover damage to a client’s property.

To learn more about the cost of surety bonds, visit Insureon's surety bonds cost analysis page.