Maid insurance is a set of policies designed to protect your cleaning business from property damage, injuries, and theft. Having the right coverage builds trust with clients and prevents unexpected out-of-pocket costs.

The cost for your maid insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to, and how many employees you have.

Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.

Here is a look at the median monthly prices for maid insurance for the most common policy types:
* General Liability Insurance: $42/mo.
* Workers’ Compensation Insurance: $132/mo.
* Contractor’s Equipment and Small Tools Insurance: $27/mo.

We can help find the coverages and prices online for maid insurance coverage in just 10 minutes right here.

Damage caused by the work itself is more nuanced than a simple accident. While general liability covers accidents like dropping a mop bucket, using the wrong chemical on marble often falls under professional liability or a specific care, custody, or control endorsement. Always check if your maid insurance policy includes coverage for property being worked on to ensure you are protected from chemical mishaps.

Workers’ compensation insurance covers medical bills for employee injuries. In most states, this coverage is legally required the moment you hire your first employee. It covers medical expenses, lost wages, and disability benefits. Keep in mind that your general liability policy will not pay for employee injuries; it only covers injuries to third parties, like your clients.

Yes. Even without employees, you are still liable for property damage or third-party injuries. Most clients, and almost all commercial offices, will ask for a certificate of insurance before letting you through the door. Without maid insurance, a single lawsuit for a ruined hardwood floor could drain your personal savings.

Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your tools and equipment, we can help find the coverage you need for your maid business. 

We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.

Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.

Yes, general liability insurance typically covers the cost to repair or replace a client’s items if you accidentally break them. General liability is designed specifically for property damage. If you knock over an expensive vase or crack a television while dusting, your policy should cover the damage.

Standard general liability usually does not cover your own equipment. To protect your vacuums, steamers, and supplies, you need inland marine insurance, which is often called tools and equipment coverage. This specific policy covers your gear while it is in transit or at various job sites, whereas a standard property policy usually only covers items kept at a fixed office location.

Potentially, yes. Insurance premiums are calculated based on risk. Luxury homes have higher-value contents, which means higher potential payouts for the insurer. Additionally, if you use industrial-grade acids or flammable solvents, your risk profile increases compared to using standard household cleaners. However, your premium is usually most affected by your annual revenue and payroll size.