House Cleaning Insurance
Safeguard your house cleaning business with affordable coverage for mishaps, property damage, and lost equipment—letting you shine bright without worry.
- Wallet-Friendly Coverage
- Built for Small Businesses
- Instant Proof of Insurance!
Why Do Housekeepers Need Insurance?
Housekeepers face various risks while performing their duties, from accidental property damage to injuries sustained by clients. Without proper housekeeping insurance coverage, these risks can result in significant financial losses and legal liabilities. And as it turns out, claims within the cleaning industry are more common than you think.
If you damage a client’s table while cleaning
General liability coverage helps reimburse clients for property damage.
If a client trips over your vacuum cord and gets injured
General liability covers third-party medical expenses and legal costs.
If your trusty mop and bucket get stolen
Tools & Equipment insurance pays for replacements—good as new.
If an employee suffers a chemical burn while on the job
Workers compensation can assist with medical expenses for your team.
How Much Does House Cleaning Liability Insurance Cost?
House cleaning liability insurance begins at only $39 per month. Several factors can influence your premium’s total cost, so it’s important to understand what affects your final amount. Plus, you can save as much as 12% by paying annually!
“Signing up was easy. It’ll give any client the comfort of knowing that you have coverage.”
Plus, it’s a good, affordable coverage that covers what I need. I definitely recommend it to people—including my son and those in other industries. I tell them to call Insurance Canopy and get covered, because it’s not overly expensive. When other people in the cleaning industry say they’re not insured, I say, “Why? It’s literally $39 per month.”
– Nicole H., Owner of Nothing But Perfection
Protected by Insurance Canopy Since 2022
Recommended Insurance Coverage for Housekeepers
Our business insurance provides essential general liability coverage necessary for client contracts. We also suggest including additional coverage for employee injuries, dishonesty, and theft or loss of supplies. Make sure to review the excluded activities before purchasing.
Included
General Liability Coverage
General liability insurance protects house cleaners from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client trips over equipment while the housekeeper is working on-site, general liability insurance can help cover medical expenses and legal costs associated with the incident.
However, this coverage does not extend to you or your employees; it only protects clients or the public if they are injured on your property or as a result of your employee’s actions. General Liability also includes Public Liability Insurance for your cleaning business.
Add-Ons
Cyber Liability Coverage
If your house cleaning business faces a cyberattack or data breach, cyber liability insurance covers recovery costs, such as legal bills, notification expenses, and credit monitoring for affected individuals.
Tools and Equipment Coverage
Tools and equipment coverage — commonly referred to as inland marine — safeguards the essential equipment house cleaners use, such as cleaning appliances, solutions, and protective gear. This insurance provides compensation if your tools are damaged or stolen while on the job.
Janitorial Bonds
Bonds are essential in the cleaning industry, protecting your business from financial losses due to employee theft. As your employees frequently operate unsupervised around clients’ valuables, the risk of theft can result in significant financial setbacks and erode trust. To ensure comprehensive protection against theft, pair general liability insurance with a bond.
At Insurance Canopy, you can purchase a bond for as low as $131 annually.
Additional Insureds
Adding an additional insured protects another individual or entity under your policy. This is particularly important for contractual obligations, as potential clients may ask to be included under your policy. This ensures that both you and your clients are covered in case any incidents or claims arise while cleaning.
Workers Compensation Coverage
In house cleaning, accidents can happen — a slip on a wet floor, a strained back from lifting heavy supplies, or an injury from using equipment like a vacuum or floor buffer. Workers compensation helps cover medical costs and lost wages when your employees get hurt on the job.
Most states require workers comp, but it’s more than just a legal box to check. It shows your team that their safety matters and that you’re ready to support them if something goes wrong. Taking care of your cleaners keeps your business strong and your team confident!
Commercial Auto Coverage
For house cleaning businesses, reliable transportation is part of the job — driving to clients’ homes, carrying cleaning products, and moving equipment from place to place. Commercial auto insurance makes sure your business is protected if an accident happens while on the road.
It can help cover vehicle repairs, medical expenses, and liability claims, whether it’s a minor fender bender or a more serious crash. Most personal auto policies don’t cover business use, and in many states, commercial auto insurance is required.
Coverage Limits for House Cleaning Insurance
Maximum Cleaning Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits / Occurrence / Aggregate
Premium
Deductible
$1,000/$3,000
$40
$250
$2,000/$6,000
$55
$5,000/$10,000
$60
Have questions?
Our non-commissioned, licensed agents are available to answer any questions you may have!
Monday to Friday, 8 am – 8 pm EST
(se habla español)
Why Housekeepers Love Insurance Canopy
Your business is crafted with care — your insurance deserves the same. Insurance Canopy offers expert knowledge and transparency, enabling you to keep making the world a more beautiful place, one home at a time.
Affordable & Transparent Policies
Our policies are clear and straightforward, with no hidden surprises—providing reliable protection for your house cleaning business.
Tailored for Small Businesses Like You
We’re aware of the unique risks cleaners face. Our coverage is designed to protect your expertise and support your business as it grows.
100% Online With Human Expert Support
Manage everything online with ease, while having expert 1:1 support when you need it. We’re here to assist you every step of the way.
135,000+ Small Businesses Trust Insurance Canopy
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Tailored To Your Cleaning Business Profession
Along with the professions listed below, we also provide insurance for small cleaning businesses, commercial cleaning businesses, residential cleaning businesses, and self-employed cleaners.
Questions About House Cleaning Insurance
How much is insurance for house cleaning?
Insurance Canopy offers comprehensive coverage starting at just $39 per month, or $435 annually, which is below the national average of $520 per year. On average, house cleaning businesses pay approximately $48 per month for general liability insurance.
Do house cleaners need to be bonded and insured?
House cleaners can absolutely benefit from being bonded and insured. Insurance protects you from costly liability claims, while bonding builds trust with clients, showing you’re reliable and professional. Clients are far more likely to hire and recommend cleaners who are fully covered, giving you a competitive edge. Without insurance and bonding, one accident or misunderstanding could jeopardize your business and reputation.
Do I need a license to clean houses?
In many areas, a special license isn’t necessary for house cleaning. However, you will still need to register your business, obtain a general business license, and follow local regulations. Some states or municipalities may also have specific requirements for cleaning services — such as liability insurance or bonding — so it’s crucial to check local regulations for full compliance.
Is my house cleaning insurance policy effective immediately?
Yes. Your house cleaning insurance policy activates immediately after purchase. You’ll get instant confirmation of your coverage and your Certificate of Insurance (COI) promptly after completing the online application and payment. Don’t forget to check your policy documents for any specific conditions or exclusions.
How do I renew or cancel my policy?
You can cancel your business insurance for housekeepers anytime via your online dashboard. Review your policy terms for any applicable cancellation fees or eligibility for a refund to ensure a smooth transition.
Renewing your policy is simple. Policies automatically renew at the end of their term to avoid coverage gaps. You’ll receive an email notification before the renewal, so there are no unexpected charges. If you want to make changes to your policy, feel free to reach out to support.
How do I file a house cleaning claim?
Filing a house cleaning business claim with Insurance Canopy is easy. Here’s what to do:
- Make a Report: If something happens, like theft or property damage, report it to the appropriate authorities. Gather important details such as dates, locations, and contact information for everyone involved.
- Gather Paperwork: Get all the necessary documents ready, like your insurance policy details, receipts for damaged or stolen items, and any incident reports.
- Submit a Claim Online: Log in to your user account, go to the “Manage Policies” section, and click on “File A Claim.” Fill in the required information and submit your claim. Most claims are processed within 24–48 hours.
If you have any questions or need help, our team is here for you. Just reach out!
What happens if I have a house cleaning claim after I cancel my insurance?
Insurance is your safety net, but it only works if it’s in place. If you file a house cleaning claim after canceling your insurance, it won’t be covered unless your policy remains active for a certain period and the incident happened during that time. Insurance only offers protection while your policy is active, so continuous coverage ensures you’re always protected.
Clean with Confidence – We’ve Got the Coverage.
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