House Cleaning Insurance Quotes – Get Security for Your House Helps

House Cleaning Insurance Quotes

House Cleaning Insurance can help cover costs if a client slips on a wet floor and suffers an injury, or an employee steals property from a client’s home. Some employees may require proof of insurance before they’ll hire a maid to clean their homes.

If you employ a maid directly, then this means that your maid doesn’t own their own business or work for a larger company. Instead, they report directly to you, and as such, you are legally recognized as their employer.

In other countries, employers of domestic workers comply with house cleaning insurance and bonding requirements. This is due to the wide variety of insurance claims that can arise from your maid or domestic employee.

In this guide, we’ll discuss how self-employed maids or small house cleaning companies will find liability insurance helpful. As a self-employed maid, you’re essentially a subcontractor working for the homeowner and need to insure your business the same as if you were a handyman service working for a homeowner.

If it’s your first time hiring a maid (as a homeowner) or you own your own small maid business, and you’re trying to figure out what type of house cleaning insurance you need to cover your liabilities, then you’ve come to the right place.

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House Cleaning Insurance Quotes

General liability insurance costs for house cleaning businesses $504 annually

House cleaning businesses pay a median premium of $42 per month or $504 annually for general liability insurance.

This policy protects house cleaners against lawsuits over customer property damage and injuries, such as a client tripping over a vacuum cleaner while a maid is working. It also protects against advertising injury lawsuits, such as a competitor suing your company for saying something negative about them on social media.

  • Median cost per year: $504
  • Median per-occurrence limit: $1 million
  • Median aggregate limit: $2 million
  • Median deductible: None

What types of insurance do house cleaners and maids need?

1. General liability insurance

This policy protects house cleaning businesses against common risks, such as client injuries and damage to client property. Add lost key coverage for more complete protection.

2. Workers’ compensation insurance

Most states require workers’ comp for house cleaning businesses with employees. It also protects sole proprietors from work injury costs that health insurance might deny.

3. Commercial auto insurance

Commercial auto insurance is usually required for business vehicles. It covers third-party medical bills and property damage in an accident, along with vehicle damage.

4. Business owner’s policy

A business owner’s policy (BOP) is an affordable way for house cleaning companies to buy general liability coverage and commercial property insurance together.

5. Commercial umbrella insurance

Commercial umbrella insurance boosts the policy limits of a house cleaning service’s general liability, commercial auto, and employer’s liability insurance.

Contact: Charleston Car Accident Attorney

Bundle general liability with property insurance in a BOP

We typically recommend purchasing a business owner’s policy (BOP), which bundles general liability insurance with commercial property insurance, often at a discount. It protects your own business property and cleaning equipment and guards against common third-party risks.

Cleaning businesses in general pay a median premium of $43 per month or $520 annually for a BOP, likely because only small, low-risk businesses are eligible. The cost primarily depends on the value of your business property. House Cleaning Insurance Quotes

Workers’ compensation insurance costs for house cleaning businesses ($138 – $1,655)

The median cost of workers’ compensation insurance for house cleaning businesses is $138 per month or $1,655 annually. The cost depends on which state your business is located in, the number of employees you have, and your profession’s risks.

Workers’ compensation is required in almost every state for house cleaning businesses with employees. This coverage helps pay medical bills and lost wages for employees who are injured on the job. Most policies include employer’s liability insurance, which provides protection in case a maid sues over a work injury.

Contact: Car Accident Lawyers Las Cruces NM

Commercial auto insurance costs for house cleaning businesses up to $1,606

House cleaning businesses pay a median premium of $134 per month or $1,606 per year for commercial auto insurance. This policy covers property damage and medical bills due to an accident involving your business vehicle, along with vehicle damage and theft.

Businesses with company-owned vehicles, such as a van used to transport house cleaning equipment and supplies, must purchase commercial auto insurance. The cost will vary depending on the type and number of vehicles your business owns, together with factors like how often they are driven.

Commercial umbrella insurance costs for house cleaning businesses about $51 per month

Most companies purchase commercial umbrella insurance when they need to satisfy a client’s requirements for higher limits on their general liability insurance. House cleaning businesses pay a median premium of $51 per month or $606 per year for this policy. House Cleaning Insurance Quotes

Umbrella insurance boosts the limits of your house cleaning company’s general liability, commercial auto, and employer’s liability insurance in $1 million increments. Once the underlying policy’s limit is reached, umbrella insurance provides additional protection. Your premium depends on the amount of coverage that you buy.

You can do a house cleaning insurance comparison here

Janitorial bond costs for house cleaning businesses ($8 – $100)

With a median cost of only $8 per month or $100 per year for house cleaners, a janitorial bond is an affordable way to gain client trust. The cost of a janitorial service bond is determined by the amount of coverage you purchase.

A janitorial bond is a type of surety bond that protects against losses caused by dishonest employees. If one of your house cleaners steals from a client, it would compensate the client. However, this bond doesn’t cover damage to a client’s property. House Cleaning Insurance Quotes

How much do house cleaners charge in Arkansas?($15 – $300)

Bentonville, Arkansas is home to over 25 maid service companies and house cleaning individuals. Most individuals charge hourly rates between $15-$30 per hour and maid service companies charge higher rates between $25 and $75 per hour. On average, homeowners spend between $150 – $300 a month on house cleaning services.

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