Maid 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.
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Why Do I Need Maid Insurance?
From sparkling kitchens to spotless living rooms, your work keeps homes looking their best. But accidents can happen anywhere — a broken vase, a slippery floor, or a pulled muscle while lifting supplies. Maid insurance can help protect your work, your gear, and your team so your business keeps shining.
Below are some of the most common types of insurance policies that maids carry to stay protected.
What Type of Maid Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.83
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Workers’ Comp
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.
From
$38.91
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Business insurance —
a quick explainer
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.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Maid Insurance Cover?
Small businesses might need business insurance to protect them from unexpected circumstances. And your maid service is no different. Whether you’re an independent maid or operate a maid service business, insurance can help keep you covered in the event of a messy situation.
You never know when you may find yourself involved in a lawsuit.
In fact, 12 million lawsuits are filed against small businesses every single year in the U.S., according to a report from the US Chamber Institute Institute for Legal Reform. The same orgnaization cites that $54,000 is the average cost for a small business to defend a simple liability claim.
Having the right business insurance in place can help safeguard the business you’ve worked hard to build. With maid insurance, there’s peace of mind knowing that you have some protection.
Without the right insurance, one unexpected mishap can drain your profits. Here’s how plumber insurance can help protect you from these common risks:
While cleaning a living room, you accidentally knocked 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.
You land a major residential cleaning contract, and the client requests proof that you’ll complete the work as agreed. A surety bond can provide your clients confidence that your business will meet its commitments. If the work isn’t completed as promised, the bond can help reimburse the clients for their losses.
One of your cleaners slips on a wet floor while mopping and sprains their ankle. 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.
Your team finishes a job and returns to find the van has been broken into — your vacuums and cleaning supplies are gone. 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, whether it’s on the move or at a jobsite.
What Does Maid Insurance Cost
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Answers to More Maid Insurance Coverage Questions
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.
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.
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, 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.
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.
Why Small Businesses 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 business.
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Owner of Room to Breathe Professional Organizing
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9-minute read
A General Liability Insurance Guide for Small Business
*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 July–December 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.
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