Benefits of maid insurance:

• It can protect your business from certain claims.
• It can help in the event of lost or damaged tools.
• Proof of insurance can help clients feel good about using your business.

What is Maid Insurance & What Types Do I Need?

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.

General liability insurance

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:

• Third-party bodily injury
• Third-party property damage
• Personal and advertising injury
• Medical expenses

However, it usually doesn’t cover the following:

• Property damage to your own business
• Professional services
• Workers’ compensation or an employee’s injury
• Damage to your work
• Auto liability
• Expected or intentional injury or damage

Workers’ compensation insurance

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:

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

However, workers’ compensation insurance usually does not cover:

• Client or vendor accidents
• OSHA fines
• Work safety improvements
• Wages for a worker who replaces the injured employee

Inland marine insurance

As a maid, you would likely bring your own equipment and supplies to your customers’ homes. What happens if those items get damaged 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:

• In transit
• On movable vehicles
• Stored offsite

It can financially protect your business from occurrences such as:

• Damage to business property
• Theft of business property
• And more

Why Do I Need Maid Insurance?

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.

Insurance for Maids FAQs

Why Choose Simply Business?

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:

• Fast and Affordable: We know you’re busy running your business, so we make our policies fast, affordable, and ready when you are.
• Tailored to You: Forget one-size-fits-all insurance. Get the protection your business may need when you need it.

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.

*Displayed price is an estimate based on the 10th percentile of General Liability policies sold by Simply Business between January-June 2024, divided evenly across a 12 month policy term. Actual price and payment terms, including an initial down payment, may vary based on your state, insurance provider, and business.

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.