House Cleaning Insurance: Protect Your Business and Clients

House cleaning insurance is business insurance designed to protect residential cleaning companies and independent cleaners from financial loss caused by accidents, property damage, client injuries, and employee claims. Because house cleaners work in clients’ homes and handle personal property, tailored insurance helps protect your business and reputation.

What Is House Cleaning Insurance?

House cleaning insurance is a combination of business insurance policies that together provide financial protection for cleaning professionals. It addresses the risks faced when performing home cleaning services, including liability claims, damage to client property, employee injuries, and loss or theft of cleaning supplies.

Standard homeowners insurance typically does not cover cleaning businesses; a dedicated business insurance policy is required.

Core Coverages for House Cleaning Professionals

General Liability Insurance
Protects your business if a client or visitor is injured or if you are legally responsible for damage to a client’s property during cleaning services.

Commercial Auto Insurance
Covers vehicles used to transport cleaning supplies, equipment, and staff between job sites.

Workers’ Compensation Insurance
Required in most states if you have employees; pays for medical costs and lost wages if an employee is injured while working.

Business Property Insurance
Protects equipment, supplies, and business property kept at your home office or storage location.

Inland Marine or Tools and Equipment Coverage
Protects cleaning equipment and supplies while in transit or stored off-site.

Professional Liability Insurance
Covers claims alleging inadequate cleaning services or failure to perform services as expected.

What House Cleaning Insurance Does Not Typically Cover

Most policies exclude:

• Intentional damage

• Normal wear and tear

• Contract disputes unrelated to covered losses

• Damages from activities not listed in the policy

Understanding policy exclusions helps prevent coverage gaps.

Why House Cleaning Businesses Need Insurance

House cleaning professionals face unique risks such as:

• Damage to client property

• Slips and falls inside client homes

• Accidents involving cleaning equipment

• Allegations of inadequate service

• Theft or loss of business equipment

Insurance protects your business finances and reputation when unexpected incidents occur.

How Much House Cleaning Insurance Costs

Cost depends on factors such as:

• Annual revenue

• Number of employees

• Coverage limits and deductibles

• Business size and services offered

• Claims history

Comparing quotes from multiple carriers helps you find the best value for your needs.

How to Choose the Right Coverage

To choose the right coverage:

1. Identify all services you offer and associated risks

2. Determine the value of equipment and supplies

3. Decide on coverage limits based on your exposure

4. Review policy terms and exclusions carefully

5. Update coverage as your business grows

Proper coverage planning provides financial security.

Frequently Asked Questions

What is house cleaning insurance?
House cleaning insurance is tailored business coverage that protects residential cleaning services from liability, property damage, and financial loss.

Does house cleaning insurance cover client property damage?
Yes, general liability can cover claims for accidental damage to a client’s property during cleaning services.

Is workers’ compensation required for house cleaners?
Most states require workers’ compensation if you have employees; it covers medical costs and lost wages for workplace injuries.

Does house cleaning insurance cover theft of equipment?
Tools and equipment coverage helps protect business supplies from theft or loss, subject to policy terms.

Will liability insurance cover slip-and-fall accidents?
Yes, general liability typically covers third-party injuries that occur during cleaning services.

Can house cleaning insurance lower financial risk?
Yes, having proper insurance helps protect your business from costly claims and lawsuits.

Final

Operating a house cleaning business comes with daily risks that can result in costly claims if you’re not properly insured. With over 30 years of experience, we help house cleaning professionals secure the right coverage by comparing options from nearly 100 insurance carriers.

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