Do You Really Need House Cleaning Insurance?

Do You Really Need House Cleaning Insurance?
Do You Really Need House Cleaning Insurance?

 As a house cleaner, you understand the importance of insurance. After all, you are entering other people’s homes and taking on the responsibility of keeping them clean and tidy. If something were to go wrong, you could be held liable. That’s why it’s so important to have insurance for your house cleaning business.

But what kind of insurance do you need? And how much will it cost? In this article, we will answer all of your questions about insurance for house cleaners. We will give you an overview of the different types of insurance available and help you determine which one is right for you. We will also provide a guide to the best house cleaner insurance policies on the market. So, if you are ready to learn more about house cleaning insurance, then read on!

What is house cleaning insurance?

 House cleaning insurance is specifically designed for people who work as house cleaners. It helps to protect house cleaners from any potential claims that may arise out of their work. This could include anything from a customer slipping in your own home to a customer’s items being damaged while you are cleaning their house. House cleaning insurance provides the necessary coverage to help protect you against financial losses. It typically provides coverage for a variety of different things, including bodily injury liability, property damage liability, and personal and advertising injury. Bodily injury covers legal expenses and court costs if you are held responsible for physical injury to someone while on the job. Property damage coverage covers any damage to a customer’s property that you are responsible for. Personal and Advertising Injury covers any advertising or slander claims from a third party.

What does house cleaning insurance cover?

 House cleaning insurance provides coverage for a range of different things, including bodily injury and property damage liabilities. If you accidentally damage your client's property, or if someone is injured while you're cleaning their home, your insurance will cover the cost of damages and any associated medical expenses. Personal injury and advertising injury are also covered by house cleaning insurance, as well as legal expenses.

 In addition to these, house cleaning insurance also covers damage or loss to your equipment, such as your vacuum cleaner or cleaning supplies. If your equipment is lost or stolen, your insurance will help you replace it. House cleaning insurance may also include coverage for errors and omissions, which means it will provide coverage for professional mistakes and negligence.

 This is especially important for house cleaners, as it helps to protect them from claims that may arise from their work. In addition, house cleaning insurance can also provide coverage for lost or stolen keys, as well as protection against any claims that may arise from the use of hazardous materials. As many house cleaners use a variety of different cleaning supplies and products, this coverage is particularly important.

Who needs house cleaning insurance?

 House cleaning insurance is not only for professional house cleaners, but also for anyone who is doing house cleaning for friends and family, or for those who are running a cleaning business. It's important to have this type of insurance because accidents can happen, and in the event of an injury or damage to property, you'll want to be protected. Whether you're using hazardous chemicals or not, accidents can happen, and insurance can provide you with the protection you need.

 Additionally, having house cleaning insurance can also provide peace of mind for your clients, as they will know that they are protected in case of any damages or accidents that occur while you are cleaning their home. Overall, anyone who is involved in any kind of house cleaning, whether professionally or as a hobby, should consider getting house cleaning insurance to ensure that they are protected from any unforeseen circumstances.

How much does house cleaning insurance cost?

The cost of house cleaning insurance will depend on a number of factors, including the type of coverage you choose, the level of coverage you need, and the size of your business. Here are some additional factors that can affect the cost of house cleaning insurance:

  • Business Size: The size of your cleaning business can have a significant impact on the cost of insurance. If you have a large team of employees, you may need more coverage to protect your business in case of an accident or injury. This can result in a higher cost for insurance.
  • Type of Cleaning Services: The type of cleaning services you offer can also affect the cost of insurance. If you offer specialized cleaning services such as carpet cleaning, you may need additional coverage for these services.
  • Claims History: Your claims history can also affect the cost of insurance. If you have a history of claims or lawsuits, insurance companies may view you as a higher risk and charge higher premiums.
  • Location: The location of your business can also affect the cost of house cleaning insurance. Rates can vary depending on the state you operate in and the local regulations.
  • Deductibles: The amount of your deductible can also affect the cost of insurance. A higher deductible can result in lower premiums, but you will need to pay more out of pocket if you need to make a claim.

In general, the cost of house cleaning insurance for a sole proprietor can range from $500 to $1,500 per year, depending on the level of coverage required. While this may seem like a significant investment, it is important to consider the potential costs of not having insurance. Without insurance, you may be personally liable for any damages or injuries that occur while you are working, which could be a significant financial burden. Investing in insurance can help you protect your business and assets, and ensure that you are covered in case of an unforeseen event.

Frequently Asked Questions

Where can I get house cleaning insurance?

 You can find a variety of different house cleaning insurance policies through a variety of different insurance providers. It is important to shop around and find the best policy that fits your specific needs. This will help to ensure that you are getting the best coverage at the best price.

Do I need house cleaning insurance?

 Yes! House cleaning insurance is essential for anyone who works as a professional house cleaner. It provides the necessary coverage to protect you against financial losses that might occur due to damages, injuries, or mistakes. It also provides customers with peace of mind that their belongings are safe and secure while they are doing their work.

To wrap things up

 Having the right insurance for your house cleaning business is essential. It helps to protect you from any potential claims that may arise while on the job, as well as providing your customers with the peace of mind that their belongings are safe and secure while you are doing your work. Be sure to shop around and compare different insurance policies to find the right one for you. That way, you can make sure that you have the coverage you need at the best price possible.

Homeowners Insurance Companies: 


American Family


Auto-Owners Insurance

Chubb Insurance

Erie Insurance

Farmers Insurance

The Hartford


Liberty Mutual



State Farm


The information about insurance providers included here is intended for informational purposes only and does not imply endorsement of any particular company or product. The writers of this content and the website itself are not authorized to sell or provide insurance advice. Not all coverage options, discounts, and features may be available in every state. To learn more about any of the companies mentioned or to get a quote, please reach out to an insurance company, agent, or financial advisor directly. The content is not a general recommendation for homeowners insurance products or a specific endorsement of a particular insurer or product. Any rates listed are provided as examples only. You should reach out to the insurance provider or agent directly to get applicable quotes.