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Cleaning homes is a valuable service. As a professional maid, you leave homes spotless, so your customers have more time for themselves. If your business is busy, you may be in and out of several homes in one day. That’s why having insurance for maid services can be so critical.
Whether you’re an independent maid or have employees working for you, maid insurance can help financially protect your business from risks such as property damage, bodily injury, and more.
At Simply Business, we work with the nation’s top insurers to find policies that protect the business you worked so hard to build. And it’s easy to get a free quote. Just answer a few questions, compare free quotes from insurance providers, and pick the policy that best suits your business needs.
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What is General Liability Insurance?
What is Professional Liability Insurance?
A clean house is a happy house (as long as nothing breaks and no one gets hurt). You can’t predict the unexpected, but you can protect yourself and your business with maid insurance. We can tailor your coverage to contain a bundle of different policies that fit maids’ needs.
Maid insurance might include general liability, workers’ compensation, or inland marine insurance, or any combination of the three.
Here are some more details about the policies we typically recommend.
You work in other people’s homes daily as a maid, increasing the risk of accidental third-party property damage. That’s one reason why general liability insurance, also known as GL insurance, is so important to have. It can cover the costs resulting from third-party property damage. For example, if a client’s lamp slips out of your hand and breaks while you're cleaning it, your GL insurance policy could cover the cost.
General liability insurance also typically covers costs resulting from accidents causing bodily injury to another person.You’re cleaning floors all day long, and slips and falls are among the 10 most common and costliest small business claims.
Here’s how quickly it can happen: You finish cleaning a customer’s kitchen floor and move into the living room to vacuum. You don’t hear your customer come home; before you can warn her, she’s entered through the kitchen door. She slips and falls, hitting her head on the counter. She needs an emergency room visit ASAP.
Without GL insurance, there’s a good chance you would be paying for the cost associated with her emergency room visit and medical bills out of your own pocket. This could affect your family’s finances. But general liability insurance could help cover your customer’s medical bills. And if your customer were to sue you, your policy might also cover the cost of hiring a lawyer.
General liability insurance typically covers:
However, it usually doesn’t cover the following:
If your maid service is growing, that’s a good thing! But you may have to hire help to keep up with your customers’ needs. In most states, you are legally required to carry workers’ compensation insurance when you have even just one full-time, part-time, or temporary employee.
Workers’ comp coverage provides you, your business, and your employees with financial protection if your employee gets injured or sick while working for you. Regardless of your state’s requirements, having workers’ comp insurance is a good idea because it can protect you from the cost of employees’ workplace injuries.
Let’s say one of your employees falls off a ladder and breaks her arm while dusting a light fixture. She goes to the emergency room, where they put her in a cast and instruct her to take two weeks off work.
If you have workers’ comp insurance, it would likely kick in and pay for the emergency room visit, medications, and more. It also can cover your employee’s missed wages while she’s recovering. What’s more, it can cover legal costs and compensation if she decides to sue your business.
Workers’ compensation usually covers:
However, workers’ compensation insurance usually does not cover:
As a maid, you would likely bring your own equipment and supplies to your customers' homes. What happens if those items get damaged, lost, or stolen?
That's where inland marine insurance comes in. This type of coverage helps to financially protect the supplies and equipment you use while in transport or on a jobsite.
For example, you take a lunch break while cleaning a house. During that half-hour, someone breaks into your car and steals your vacuum cleaner. With inland marine insurance, your policy will likely help cover the cost of replacing your vacuum.
An inland marine policy typically covers property that is:
It can financially protect your business from occurrences such as:
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.
Defending yourself in court can be expensive. According to the Small Business Administration, it’s estimated that between 36%-53% of small businesses may deal with a lawsuit in a given year. Those small businesses reported legal costs ranging from $3,000 to $150,000.
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.
While we recommend having insurance for your maid services, your state may not require it. Our licensed agents can go over those requirements with you. Remember, you’ll likely need workers’ compensation coverage if you have employees.
However, even if business insurance isn’t required in your state, there are several reasons you should carry it, including:
Maid service owners usually can deduct insurance premiums from their business income when they file their income taxes. However, we recommend you talk to a local accountant or tax services professional to learn about your state’s tax laws and your specific business needs.
It depends on your business. The level of coverage your business may need depends on:
Fortunately, your Simply Business insurance quotes can be tailored to your business. Our quote process considers all of this to provide the recommended coverage. You also can speak with one of our licensed agents if you have additional questions.
Simply Business lets you quickly compare plans and purchase a policy online. If you have questions, one of our licensed insurance agents is just a phone call away at 844-654-7272.
Getting a free insurance quote from Simply Business is easy. We recommend you have this information on hand:
Your insurance costs depend largely on which insurance coverages you end up deeming necessary for your business. What insurance coverages you determine you might need will depend on the type of work you do and whether you have any employees. Generally speaking, the cost of your policy(s) will be determined by factors such as:
We can help you find GL policies for as low as $22.13 per month.*
Wondering how much your maid insurance may cost? Check out our online quote form, tell us about your business, and compare quotes. It takes just 10 minutes or less.
Small business insurance is what we do, offering the coverages small business owners need. And we tailor insurance coverage to your business needs . That's how we've helped insure more than 60,000 businesses across the U.S.
With Simply Business, you can shop, compare, and buy business insurance policies from some of the nation’s most trusted insurers — all in just minutes.
We pride ourselves on making business insurance:
Tell us a little bit about your maid service business. We do the legwork. You choose the policies that are right for you. Online or on the phone.
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*Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on October - December 2021 data of 10% of our total policies sold.
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.
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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.