House Cleaning Insurance
Safeguard your house cleaning business with affordable coverage for mishaps, property damage, and lost equipment—letting you shine bright without worry.
- Covers Accidental Damages – Protection if you break something on the job
- Meets Homeowner Expectations – Show clients you're insured, professional, and trustworthy
- Protects Your Tools – Optional coverage for vacuums, mops, and supplies
4.7/5 on
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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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
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
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 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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