Housekeepers insurance
Housekeepers insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$20.83
/month*
Could help cover accidental damage, like a broken vase or a client’s slip and fall injury on a wet floor.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$20.83
/month*
Could help cover accidental damage, like a broken vase or a client’s slip and fall injury on a wet floor.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
Why Does a Housekeeping Business Need Insurance?
From fresh linens to sparkling bathrooms, your work can transform a home. But even the most careful housekeeper can have an off day — a scratched floor, a product spill, or a pulled muscle after hauling supplies. Housekeepers insurance can help protect your business, tools, and team, so one mishap doesn’t make a mess.
What Type of Housekeeping Business Insurance Do I Need?
General Liability Insurance
From
$20.83
/month*
Foundational insurance coverage for a housekeeping business to help handle costs from common third-party accidents, such as client slip and fall injuries or accidental property damage on the job.
Contractor’s Equipment and Small Tools
From
$20.83
/month‡
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
Workers’ Comp Insurance
From
$38.91
/month*
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
Business Owner’s Policy (BOP)
From
$33.75
/month*
General liability, property insurance, and more all in one convenient package.
Business insurance —
a one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
What Does Housekeepers Insurance Cover?
Housekeeping means working in someone else’s space — with valuable belongings, slippery surfaces, and plenty of moving parts. And when something goes wrong, it can get expensive fast. Here’s how cleaning service insurance can help protect you from these common risks:
Damage to someone else’s property
You’re cleaning a living room and accidentally knock over a client’s antique lamp. A general liability policy could help cover the cost of repair or replacement and protect you from other third-party damage claims.
Damaged or stolen equipment
Between jobs, your gear is constantly on the move, which makes it an easy target for theft or damage. Contractor’s equipment and small tools insurance, also known as inland marine insurance, can help pay to replace or repair your stolen or damaged equipment from a documented incident, whether it’s on the move or at a jobsite.
Protection for your business property
A small fire at your storage unit damages your essential equipment, forcing you to cancel jobs while you replace it. A Business Owner’s Policy (BOP) bundles general liability, commercial property protection, and business interruption coverage to help pay for damages, repairs, and lost income so you can get back to work quickly.
Many housekeeping businesses choose a BOP because it offers more protection than a stand-alone general liability policy, without costing much more — a great option if you’re established or planning to grow.
Care for sick or injured employees
Cleaning is hard physical work, and an employee can get hurt in a split second — from a slip-and-fall on a wet floor to a muscle strain while lifting supplies. Workers’ compensation insurance can help cover their medical bills and provide wage replacement as they recover.
Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp insurance, since many health insurance policies won’t cover work-related injuries.
How Much Does Housekeeping Business Insurance Cost?
Try our Housekeepers Insurance Calculator
Get a quick estimate in just 3 steps.
Why Housekeepers Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your housekeeping business.
Speed and Efficiency
Get customized quotes from top-rated insurers in just 10 minutes.
Tailored Coverage
Access flexible insurance options specifically built for your unique business needs.
Trusted Worldwide
Join over 1 million small business owners who rely on our highly-rated service.
Answers to More Questions About Housekeepers Insurance
What is housekeepers insurance?
Housekeepers insurance is a collection of policies that housekeeping business owners typically purchase.
What determines the cost of cleaning insurance in 2026?
The cost for your insurance coverage is determined by:
• The type of work you do
• Where your business is located
• Your annual revenue
• The types of policies and limits you choose
Other factors can include your claims history and how long you’ve been in business.
Do I need insurance as a housekeeping business owner?
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements for certain liability coverages. We recommend checking with your state and local governments for housekeepers insurance requirements.
What should I consider before buying housekeepers insurance?
If you’re thinking of buying housekeepers insurance, we recommend having the following information on hand when using our housekeepers insurance calculator:
• The state where you do business
• Your type of business or trade
• Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers.
Does housekeeping business insurance cover theft?
While general liability insurance protects against accidental property damage or bodily injury, it typically excludes intentional criminal acts like theft. To protect your business and your clients from theft, you may need a janitorial bond, sometimes called a surety bond.
How long does it take to get a Certificate of Insurance (COI)?
COIs for most insurance policies are available as soon as you purchase your policy. Once available, Simply Business provides instant digital certificate of insurance access through your online account any time of day. Many modern insurance platforms now offer similar 24/7 certificate download capabilities, allowing you to respond quickly to client requests.
Do I need housekeepers insurance if I am a solo independent cleaner?
Even if it’s just you, one wet floor slip or a spilled bottle of bleach on an expensive rug can cost thousands in legal fees or damages. Being insured isn’t just about risk — it’s a badge of professionalism that helps you win higher-paying clients.
Why Work With Simply Business
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 carpenter 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.
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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More Helpful Information for a Housekeeping Business Owner
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between January–June 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.