Running a cleaning business can be deeply rewarding — clients trust you to care for their homes, their belongings, and their peace of mind. But even the most experienced maid or housekeeper knows that accidents can happen. That’s why securing the right insurance for maids is essential for protecting your livelihood and your reputation.
Why House Cleaners Need Specialized Insurance
A house cleaner’s day might seem straightforward: Mop floors, dust furniture, and scrub bathrooms, among other responsibilities. But every job carries its share of risks.
Spilled cleaning solution can warp hardwood floors or discolor carpets. A misplaced step could send someone’s heirloom vase crashing to the ground. And if you accidentally damage a surface — say, by using the wrong cleaner on vinyl plank flooring — you could face an expensive repair bill.
Then there’s the matter of trust. Clients often hand over keys or alarm codes, giving you access to their most personal spaces. Without proper coverage, even a false accusation of theft can create legal and financial trouble. Specialized insurance helps ensure you’re protected against both the expected and the unexpected.
Key Coverages To Look For in House Cleaning Business Insurance
Running a cleaning business — whether you’re solo or managing a small crew — means juggling multiple responsibilities. The right house cleaning business insurance package should include several types of protection:
- General liability insurance: This is the foundation of any cleaning business policy. It covers third-party injuries and property damage, such as a client tripping over your vacuum cord or damage caused by cleaning products.
- Workers’ compensation insurance: If you have employees, this coverage is mandatory in most states. It helps pay for medical bills and lost wages if a worker gets hurt on the job.
- Property and equipment coverage: Your supplies, vacuums, and other tools are essential to your work. This coverage ensures you can replace them if they’re damaged, stolen, or lost in transit.
- Janitorial bonds: Bonding builds client trust. These bonds reimburse clients for verified theft by an employee, helping your business maintain credibility even in tough situations.
How To Evaluate the Right Policy for Your Business
Every cleaning operation is different. Independent housekeepers might need less coverage than a growing franchise, but both should review exclusions carefully. For example, some policies may not cover damage caused by subcontractors or specialty services like carpet cleaning.
Price shouldn’t be the only factor when comparing insurance for house cleaning business operations. Instead, weigh the cost of insurance for maids and housekeepers against coverage limits, deductible amounts, and customer support.
Working with an agency like Moody Clean Insurance means getting guidance from professionals who’ve spent decades tailoring protection for businesses like yours. Contact Moody Clean Insurance to review your options and get a tailored policy that fits your cleaning business needs.
FAQ About Insurance for Maids & Housekeepers
What insurance do you need for a residential cleaning business?
At a minimum, general liability insurance and bonding are essential. Add workers’ comp if you employ others, and consider property coverage for your cleaning tools and equipment.
How much does insurance cost for a house cleaning business?
Costs vary depending on factors like business size, number of employees, and services offered. Smaller independent cleaners may pay a few hundred dollars annually, while larger operations could pay more for expanded protection.
What is liability insurance for cleaning businesses?
Liability insurance protects against third-party injuries or damages, such as breaking a client’s mirror or spilling cleaner on an expensive rug.
Why is insurance important for house cleaning businesses?
It’s your safety net. Insurance shields your business from lawsuits, damage claims, and unexpected financial losses, helping you stay focused on what you do best: keeping homes spotless.
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.
