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House Cleaning Insurance

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Finally: House Cleaning Insurance That Works for You

You’ve worked hard to build your professional cleaning business. Why not work with an insurance company that works just as hard to protect your legacy?

At Simply Business, we work with the nation’s top insurers to provide fully customized house cleaning insurance policies. Additionally, your cleaning liability insurance can cover the specific risks you face as a professional cleaner.

So whether you’re worried about accidental property damage or a customer getting hurt by slipping and falling on a wet floor, we’ll help you get a policy that offers full protection for your day-to-day work.

Compare online quotes in under 10 minutes and pick the policy that works best for you. We even offer monthly payments, so your insurance can work within your budget.

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Need more detail? Read our FAQs:

Coverage Type

Policies Available for House Cleaning Insurance:

  • General liability insurance
  • Workers compensation insurance

Benefits:

  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help customers feel better.
  • It may be legally required where you’re located.

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What Type of Insurance Do I Need for My House Cleaning Business?

Your house cleaning insurance coverage can be tailored to contain a bundle of different policies, each of which is designed to protect you from risks that are common to cleaners. Let’s take a look at the policies we typically recommend for cleaning businesses like yours.

General Liability Insurance for Cleaners

General liability (GL) insurance can cover costs resulting from accidents, property damage, and bodily injury to a third party (e.g., one of your customers). When it comes to cleaners, you may commonly hear GL referred to as “cleaning liability insurance,” but don’t worry — it’s the same thing.

General liability insurance may also cover your cleaning equipment in case it is lost or damaged during the course of doing your work (which is a relief!).

So why are we so big on recommending general liability insurance for cleaners?

Simple: Without it, you’d have to pay for any damages, accidents, or stolen equipment from your own bank account.

And if one of those claims happens to be for property damage, you could be looking at a very large bill. For example, did you know that the average property claim for a small business owner is $30,000?

As a cleaner, you may face more risks for accidental property damage because you work in people’s homes. Plus, if you don’t properly warn your customers about wet floors or door handles, they could get hurt, and that’s precisely where GL insurance can come in handy.

Consider this: Let’s say that you’re cleaning a customer’s kitchen floors when she walks in to get a glass of water. Before you can warn her, she slips and falls. Her back is hurt so badly that she has to be taken to the hospital in an ambulance. She ends up needing physical therapy for eight weeks, and those sessions are pricey.

Without cleaning liability insurance, there’s a good chance you and your business would be held liable for those costs. That means you may have to pay your customer’s medical bills from your own pocket, which isn’t just a financial hit on your business — it could hurt your family’s finances.

That’s why general liability insurance is a recommended policy for cleaners: it can safeguard both your business and your personal finances. Plus, if a customer were to sue you over your work, your GL policy can cover the cost of hiring a lawyer to defend you.

Here’s a quick summary on what your general liability insurance can cover:

  • Bodily injury to another person (e.g., a customer)
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

Here’s what general liability insurance may not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Motor vehicles while in business use
  • Expected or intentional injury or damage
  • And more

Workers Compensation Insurance

If you have anyone helping you with your cleaning business — whether they’re full-time or part-time employees — you may be legally required to carry workers compensation insurance. This coverage provides you, your business, and your employees with financial protection if one or more of your employees were to get injured or sick while working for you.

Having a workers compensation policy may be a legal requirement in your location, but it can also provide you with peace of mind. Without it, you would potentially have to pay for your employees’ medical expenses.

Having workers comp also prevents your employee from suing your business if they get hurt or sick while on the job.

Workers compensation insurance for cleaners can cover:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

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Why Should I Get Insurance for My Cleaning Business?

Whether you have a cleaning business with employees or you work for yourself, you’re probably budget-conscious. If you're not aware of how valuable business insurance is, you may not want to spend your money on it.

So why even get a policy in the first place?

You can’t control when accidents happen. Accidents can happen at any time. And if you don’t have the right coverage in place, you may quickly find out how expensive an accident can be.

And the accident might not even be your fault. Maybe one of your part-time employees knocks over a priceless vase while vacuuming in a customer’s home. Regardless of who caused the accident, if they work for your business, you may be liable for costs resulting from property damage or third-party injuries (i.e., customers or vendors).

A customer may decide to sue you. Even if you’re doing your work perfectly, a customer could find some fault and decide to sue your business. It doesn’t matter if you’re in the right — you’ll still have to hire an attorney to defend you.

This scenario happens a lot more often than you think. An estimated 43% of small business owners have reported being involved in a lawsuit pertaining to their business.

It may be a legal requirement. Different states have different requirements, but if you need a business license or special certification to be a cleaner, you may be asked to show a certificate of insurance (aka a COI). This document provides proof that you have the kind of coverage that might be required by state or federal laws.

Prospective customers may be more willing to hire you. If a customer has to decide between hiring a cleaner with no insurance and a cleaner who carries insurance (hopefully that’s you!), it’s likely they will hire the insured business.

That’s because the customer knows that if any accidents or property damage occur as a result of your work, they won’t have to pay for it themselves — your policy can cover it.

Need a little more convincing as to why you should carry house cleaning insurance? Give our licensed insurance agents a call at 844-654-7272 — they’ll be happy to answer any questions you have!

Question marks

House Cleaning Insurance FAQs

Is insurance for cleaning businesses required by law?

The answer may depend on the state you live in, as well as the type of cleaning services you provide. If you have full-time or part-time employees, federal law may require you to carry workers compensation coverage for their protection.

However, even if cleaning business insurance isn’t required in your state, there are several reasons you should carry it, including:

  • House cleaning insurance can prevent you from paying for property damage and accidents out of your own pocket.
  • It can cover legal costs in case someone sues your business.
  • Customers may not want to hire you unless you have it.
  • It may help you get approved for a business license, depending on your state.

Is house cleaning insurance tax-deductible?

Your business insurance premiums are tax-deductible, as the IRS views them as part of the cost of running a business. But don’t take our word for it — be sure to check with an accountant if you have questions regarding your business’s tax deductions.

How much house cleaning insurance will I need?

Cleaners insurance is highly personalized to every business and owner, so we can give you an answer once we know more about your business. We’ll use the following information to help determine how much cleaning insurance you need:

  • Your payroll
  • Your business’s location
  • Your annual revenue (even if it’s an estimate)
  • And more

Luckily, it doesn’t take long to see how much house cleaning insurance you may need. You can get free quotes from top cleaning insurance providers in under 10 minutes. Plus, if you see a plan you like, you can buy it online.

Isn’t that convenient!

What should I consider before buying cleaning liability insurance?

Here at Simply Business, we aim to get your free cleaning liability insurance quotes as quickly as possible. That’s why we encourage you to have the following information available before starting your quote process, including:

  • Annual revenue estimates
  • Payroll estimates
  • Information on previous claims, if any

Keep in mind that if you’re just starting out with your cleaning business, you don’t necessarily need an exact amount for your revenue or payroll. Estimates can still help us find the right insurance quotes for your business.

Does house cleaning insurance differ by state?

The requirements may differ by state, as each state can have its own requirements for domestic and commercial cleaners.

With that in mind, let us know if you plan on doing any cleaning on commercial properties, rather than just focusing on house cleaning. If that’s the case, you can be provided with quotes from janitorial insurance providers.

What does house cleaning insurance cover?

Cleaning insurance can be made up of a variety of policies, so there’s no one answer to this question. However, if you opt to carry foundational insurance for your cleaning business (GL + workers comp if you have employees), you can expect your insurance to cover:

  • Bodily injury to customers
  • Property damages
  • Claims resulting from accidents
  • Injuries to employees
  • And more

We can help you find the right coverage based on your cleaning business’s needs. Best of all, we can do it in under 10 minutes, meaning you can get back to what matters faster — running your cleaning business.

How much does insurance for house cleaners cost?

The cost of your cleaning business insurance coverage will largely depend on the type of work you’re doing, as well as the risks you face in your day-to-day work. For example, house cleaners may pay less for their insurance than commercial cleaners who remove hazardous materials.

The final price of your cleaning business insurance is usually determined by:

  • Your payroll
  • Areas you serve
  • Services offered
  • Your estimated revenue
  • And more

Want to see how much your cleaning business insurance may cost? Just click here to answer a few questions about your business.

What if I perform multiple activities as a house cleaner?

If you specialize in more than just house cleaning, our licensed agents can help build a comprehensive policy that covers your risks. Just give us a call at 844-654-7272 so we can assist you!

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Why Choose Simply Business?

Simply Business knows it’s hard work to run a house cleaning business.

That’s why we make it easy to get insured!

We work with the nation’s most trusted insurance companies to help you find and compare free quotes for cleaning business policies. We’re also one of the fastest-growing online insurance providers for small business owners, meaning thousands of customers trust us to protect their growing businesses.

So why choose Simply Business? It’s, well, simple:

We’re fast and affordable. Get free cleaning business insurance quotes in under 10 minutes, because who wants to spend hours learning about insurance?

We’re human. Insurance can be complicated. But whether you’re browsing our site or talking to one of our agents, you’ll quickly discover that we’re pretty down-to-earth about insurance.

We get your business. Forget one-size-fits-all insurance. Get the protection your cleaning business needs, when you need it the most.

You’ve worked hard to build your house cleaning business. That’s why we offer the best coverage to protect it.

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.