Whether you are working independently as a house cleaner or work with a team of cleaners, house cleaning insurance can protect you from liabilities, lawsuits, and damages. We’ve evaluated the best house cleaning insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.
Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.
Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.
With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.
Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.
Spott will ensure that your policy coverage is tailored to your business while complying with Amazon’s Terms and Conditions. They also track changes to Amazon’s Terms and Conditions to identify potential issues with listings before a suspension.
While vacuuming a carpet may seem foolproof, tripping over the cord can cause injury. Without insurance, you would be paying out of pocket for the medical expenses (and possibly more) for someone tripping over that vacuum cord. Having house cleaning insurance will add a layer of financial protection to your business.
Any sole operator or an organization in the house cleaning industry should consider business insurance. Some clients will require proof of house cleaning insurance before hiring because they are motivated to protect their property from damages that may occur during cleaning. Additionally, tasks such as dusting and cleaning with chemicals expose employees to different levels of risk. House cleaning insurance will take provide coverage if an employee gets sick or files a claim due to these exposures.
Carrying the right type of policies for your house cleaning service company is the law in some states and also helps establish more credibility in the eyes of a customer. It will also make your company seem more professional.
Common types of house cleaning policies:
This policy helps protect your assets and business from lawsuits from claims of bodily injury and property damage. For example, if you were waxing the floor and forgot to place a caution sign, which caused the client to slip and fall, you could be held liable for damages.
In addition, these types of accidents that result in claims can occur during normal business hours and operations. They can also occur when the business is closed so coverage is crucial. Otherwise, you will be looking at paying for these claims and all costs associated with litigation out of pocket.
This type of policy covers any injuries and/or property damage you or an employee may cause to another person or business while driving. This type of auto policy can also include coverage for rental vehicles as well as the personal cars of employees used for your business.
Also known as workers’ comp, workers’ compensation Insurance can help cover an accident that occurs in the workplace or if an employee is on company time at a remote area, and has to seek medical care. Employees can only file a claim for workers’ compensation if their injury was brought about while on duty at their job. Common claims filed include injuries from a fall, operating or being around heavy machinery, and strains from bodily exertion.
Also known as BOP, business owner’s insurance combines both general liability insurance and commercial property insurance into a single policy. This type of policy is popular among small businesses that want to save on premium costs.
This bond is a type of surety that can protect your business should a client accuse an employee of stealing money or their belongings. It can add a selling point to your business and gives the customer a sense of trust knowing that they will be reimbursed if their possessions disappear.
The size of your company and the types of jobs you contract should help drive your decision for coverage limits. If you are contracted to clean an apartment building, the risk becomes a lot greater compared to a standard house due to stairs, amount of units, etc.
The number of open projects per day should also help you decide on which limits would best cover the risk of day-to-day operations. Ten projects a day is can be a lot of revenue, but it also assumes ten times the risk for claims. Having the right limits will prevent you from paying out of pocket should a claim come up. Below is a basic guide with median limits for house cleaning businesses.
|General liability insurance||$1,000,000 per occurrence |
|Commercial auto insurance||$1,000,000 aggregate|
|Workers’ compensation insurance||$100,000 bodily injury per accident|
|Business owner’s insurance||$1,000,000 per occurrence |
|Janitorial bond||$10,000 aggregate|
The aggregate of all the insurance policies you need will be totaled for your house cleaning insurance premium. There are several factors affecting the premium you may pay. Common factors that may influence the cost of your insurance (but not limited to):
Below is a good starting point that shows median costs for house cleaning service companies.
|General liability insurance||$530 annually|
|Commercial auto insurance||$1,555 annually|
|Workers’ compensation insurance||$1,785 annually|
|Business owner’s insurance||$520 annually|
|Janitorial bond||$100 annually|
When looking for the best house cleaning insurance, here are some key factors to consider before you make a purchase: