House Cleaning Insurance for Residential & Commercial
Clients
House cleaning insurance helps cover accidental damage, injuries, and job‑site incidents.
If you break a client’s item, damage flooring, or a customer slips near your equipment, liability coverage helps pay for repairs or medical costs.
Many homeowners, landlords, and property managers require proof of insurance before hiring a housekeeper or cleaning service.
Housekeeper Liability Insurance for Property Damage &
Injuries
Housekeeper liability insurance is essential for anyone offering cleaning services.
It protects you from claims related to accidental damage, spills, chemical mishaps, or injuries that occur during your work.
This
coverage builds trust with clients and helps you secure more jobs by showing
you operate professionally and responsibly.
Coverage Options for Housekeeper Insurance
We offer the core policies most housekeepers need to stay protected and meet client requirements:
General Liability (GL) – Protects against third‑party injuries and property damage that occur during your work.
Business Owner’s Policy (BOP) – Combines general liability with property coverage for equipment, supplies, and business contents.
Workers’ Compensation (WC) – Required in most states if you have employees; helps cover medical costs and lost wages after a workplace injury.
Business Equipment Protection (Inland Marine) – Covers tools and equipment while in transit or on job sites, protecting against theft, loss, or damage.
How the process works in three easy steps
1
Complete the App
Complete the 60‑second application
2
Secure your policy
We offer the lowest rate available
3
Flexible options for any business
Choose coverage that fits your business, same day certificates (COI).
Why Choose Us?
Specialized coverage tailored to your business
Trusted by businesses and organizations
Fast, simple, stress‑free policies
- Flexible options for every type of business
- Fast Insurance for AZ Small Businesses
Top questions answered
Our most common questions answered efficiently.
A BOP is helpful for housekeepers who own or lease a workspace, store equipment, or want bundled liability and property coverage. However, many solo or mobile cleaners only need general liability and tools coverage. A BOP is optional—not required—but valuable for those with physical assets to protect.
Most housekeepers start with general liability insurance, which covers property damage and injuries. Many also add inland marine for tools, commercial auto for work vehicles, and workers’ compensation if they have employees.
Costs vary based on your location, business size, and services offered. Most small cleaning businesses pay an affordable monthly rate, while those handling commercial or specialty cleaning may pay more due to increased risk.
While not always legally required, most clients, property managers, and cleaning platforms require proof of liability insurance before allowing housekeepers to begin work. It also helps you win more jobs by showing professionalism and reliability.
