Best House Cleaning Insurance of 2022

Bryan Keith

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.

Affordable plans and coverage provided within minutes

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.

What we like

  • Affordable insurance plans
  • Customized coverage to fit your business
  • Get covered within minutes
  • Near instant access to proof of insurance
  • Quick and easy to process claims

What we don't

  • Not available in New York

Covers a wide range of industries

$2,000,000

Coverage Up To

$1,000+

Deductibles

Overview

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.

What we like

  • A skilled advisor to assist you
  • Free quotes from multiple insurance carriers
  • Covers low risk to even some high risk industries
  • Online account management

What we don't

  • No brick-and-mortar offices
  • Deductible costs

Customized solution to fit your business needs

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

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.

What we like

  • Established insurance company
  • Dual auto insurance
  • Customizable insurance for over 180 industries
  • Deductibles starting at $0
  • Affordable rates

What we don't

  • Limited US offices
  • Coverage limited to $2 million online

Flexible coverage by the year, month, day, or by the job

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

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.

What we like

  • Scheduled coverage options
  • Coverage by the job available
  • Buy a policy online within minutes
  • No hidden fees
  • Affordable plans
  • Drone insurance

What we don't

  • Not available in New York

Tailored Amazon seller insurance

$1,000,000+

Coverage Up To

$100+

Deductibles

Overview

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.

What we like

  • Tailored eCommerce insurance
  • Liability insurance for Amazon sellers
  • Store Suspension coverage
  • Compares leading insurance carriers
  • Flexible coverage options and payment plans
  • Knowledgeable about Amazon’s rules and policies

What we don't

  • Limited physical offices

What is house cleaning insurance?

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.

Do house cleaners need insurance?

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.

What insurance do house cleaning businesses need?

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:

General liability insurance

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.

Commercial auto insurance

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.

Workers’ compensation insurance

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.

Business owner’s insurance

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.

Janitorial bond

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.

What are the limits of house cleaning insurance?

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
$2,000,000 aggregate
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
$2,000,000 aggregate
Janitorial bond$10,000 aggregate

How much does house cleaning insurance cost?

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):

  • Location
  • Driving history
  • Number of employees
  • Historical number of claims

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

How to choose the best house cleaning insurance

When looking for the best house cleaning insurance, here are some key factors to consider before you make a purchase:

  • Customized: The provider should be able to work with you on a customized policy that best suits your unique needs.
  • Options: Have the providers show a few different products and go through the different options, weighing the pros and cons of each one.
  • Customer feedback: To see what customers really think about them, check out reviews for each provider to get insight into their customer service and customer satisfaction. Third party companies like the BBB which rates how satisfied the public is with large companies, so this score is a good measure on how to qualify a provider.