Running a cleaning business means juggling appointments, clients, and staff, but there’s one task that should never fall off your to-do list: reviewing your insurance policy. Your house cleaning business insurance isn’t something to set and forget. As your business grows, new risks can emerge, and what worked a year ago might not be enough to protect you today.
Liability Risks That Grow With Your Business
Cleaning businesses evolve quickly. You might take on new employees, expand into commercial jobs, or add specialty services like carpet or window cleaning. Each of those steps increases your exposure to risk.
Property damage is one of the most common issues for cleaners — using the wrong product on a client’s expensive flooring or countertop can easily lead to costly repairs. Then there are accidental injuries: If a client slips on a freshly mopped floor, you could face a liability claim.
Employee-related risks, from on-the-job injuries to accusations of theft, can also threaten your finances and reputation. That’s why strong cleaning business liability insurance is the backbone of any protection plan. As the cleaning industry continues to grow — it’s expected to reach nearly $617 billion globally by 2030, according to Grand View Research — staying ahead of emerging risks is essential.
What To Review Before Your Policy Renews
An annual policy review ensures your coverage reflects your current operations. Here’s what to focus on:
- Coverage limits: Has your client base expanded or your revenue increased? Make sure your limits still match your exposure.
- Exclusions: Policies evolve, and sometimes new exclusions might affect your services. Read the fine print before you renew.
- Bonds: If you carry cleaning business bonds for client trust, confirm they’re still valid and meet local or client requirements.
- Costs: Premiums often change as your business grows. Schedule a review with Moody Clean Insurance to keep your coverage current and fully aligned with your needs.
Why Work With a Specialized Agency?
Moody Clean Insurance has spent decades helping house cleaning operations fine-tune their coverage. A specialized agency can identify gaps that general insurance agents might overlook — like whether your policy covers temporary staff or includes equipment replacement.
We also work closely with carriers familiar with the cleaning industry, which can mean better rates and more flexible options.
Contact Moody Clean Insurance to review your options and get a tailored policy that fits your cleaning business needs.
FAQ About House Cleaning Business Insurance
How often should I review my insurance for my house cleaning business?
Once a year is ideal, but you should also review your policy anytime your operations change — like adding new employees or services.
What happens if my house cleaning business insurance lapses?
A lapse can leave your business exposed to lawsuits, property damage claims, or lost contracts. Many clients require proof of continuous coverage before hiring you.
Do I need updated bonding each year?
Yes. Bonds typically renew annually, and staying current helps maintain client trust and meet contractual obligations.
About Moody Clean Insurance
One relationship with a cleaning franchisor started it all. Over the next 20 years, that one relationship has expanded and multiplied. Moody is now one of the largest providers of insurance to independent and franchise cleaning businesses throughout the country. Relationships start with a conversation, so let’s talk. We look forward to learning about your operations and sharing what we’ve learned through decades of protecting cleaning businesses like yours.
