Tailored Maid Insurance to Dust Off Your Worries
Sweep away risks with affordable insurance for cleaning mishaps, damage, and lost gear—let your business shine!
- Wallet-Friendly Coverage
- Built for Small Businesses
- Instant Proof of Insurance!
Why Do Maids Need Insurance?
Maids face various risks in their line of work, from accidental property damage to unforeseen bodily injuries. Without proper insurance coverage, these risks can result in significant financial losses and legal liabilities for the maid service business. Learn about more common cleaning insurance claims here!
If you accidentally knock over a delicate lamp while dusting
That’s just a little hiccup! We’ll cover the repair or replacement costs.
If a client or pet gets injured during your cleaning routine
Ouch. We’ll cover the medical expenses and legal fees!
If your vacuum suddenly breaks while on the job
Oopsie-daisy! We’ll shoulder the repair or replacement.
If you accidentally use a harsh cleaner on a delicate surface
Don’t fret, we’ll cover the damage costs.
How Much Does Maid Insurance Cost?
Maid insurance coverage starts at $38.75 per month, but let’s break down what really affects that price:
- Size of Your Business: Bigger team and revenue? Higher premiums.
- Location: Your rates can vary based on where you operate and local risks.
- Claims History: Had claims before? Expect those premiums to go up.
- Coverage Limits: Need higher limits? That’ll add to the cost.
- Additional Coverages: Extras like equipment insurance or workers’ comp will raise your premium.
Save when you choose annual!
Why juggle monthly payments when you can take care of it all at once? Save 12% when you pay $435 upfront for the year, and kick back with the peace of mind that your house cleaning insurance is all set. It’s like giving yourself a little gift of convenience!
What Does Insurance for Maids Cover?
We recommend maids to include several different coverages in their maid insurance policy. Our recommended coverages include:
Included
General Liability Coverage
General liability insurance covers public liability which protects maids 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 maid 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 maid service faces a cyberattack or data breach, this insurance covers the costs of getting back on your feet, like legal bills, notification expenses, and credit monitoring for affected individuals.
Tools and Equipment Coverage
Tools and equipment coverage, also known as inland marine, provides protection for the valuable equipment used by maids. This insurance steps in when your trusty tools get damaged or stolen while on the job. With this insurance, you can keep your cleaning game strong without worrying about unexpected financial messes.
Janitorial Bonds
Bonds are ‘trust boosters’ for your maid service business. They reassure your clients that you’ll stick to your promises and clean with integrity. If anything goes amiss, like a mishap or a missing item, the janitorial bond steps in to make things right.
Additional Insureds
Adding additional insureds is all about giving extra protection to your clients or landlords, so they feel safe and secure knowing they’re covered under your maid policy. This not only builds trust but also shows that you’ve got everyone’s back, making your business relationships rock-solid.
Workers’ Compensation Coverage (Coming Soon!)
Your cleaning crew is the heart and soul of your business. If they ever get hurt or sick while working, this insurance steps in to cover their medical bills, lost wages, and even helps with their recovery, ensuring they can scrub, mop, and dust with confidence.
Get notified when workers compensation is available in your state!
What’s Not Covered with Maid Service Insurance?
When considering the best maid insurance, it’s important to be aware of the following exclusions.
- Water removal/extraction, mold remediation, fire, smoke, flood or other disaster services
- Operations involving construction debris removal
- Construction, maintenance, repair, renovation, or property preservation service
- Cleaning of the exterior of buildings and/or power washing other than from the ground level
- Chimney cleaning
How Do I Know What Maid Insurance Coverage I Need?
Here are some tips to help you assess your maid insurance coverage needs based on your business size, equipment, and services offered.
New and Growing Businesses
For new and growing cleaning teams with more frequent client meet-and-greets and moderate risk. Let’s keep those mops spinning! Example: Your small but mighty crew tackling homes and light commercial spots like pros.
- General Liability: $500,000 per incident / $1,000,000 per year.
- Tools and Equipment Insurance: $2,000 per incident / $6,000 per policy year (+$4.58/month).
Established Business
Best for established maid service champions with a big client base and higher stakes. Time to bring out the big guns! Example: A bustling operation with a crew of experts handling properties and complex jobs like a boss.
- General Liability: $1,000,000 per incident / $2,000,000 per year.
- Tools and Equipment Insurance: $5,000 per incident / $10,000 per policy year (+$5.00/month).
Note: Our coverage is available for businesses with payroll under $200K and annual revenue under $1.5M.
Janitorial Bonds
A maid bond provides an additional layer of protection for your clients, ensuring that they are compensated in case of theft or damage caused by your employees. Bonding is sometimes required for commercial or government maid contracts.
You have the option to:
- Include: Adding a bond can enhance your business’s credibility and provide peace of mind to your clients, or if your contract requires it.
- Opt out: If you have a strong reputation and trust with your clients, you might decide not to include a bond.
Coverage Limits for Maid 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
$500
$2,000/$6,000
$55
$5,000/$10,000
$60
Have questions?
Our licensed agents are available to answer any questions you may have (se habla español)
Why Insurance Canopy Has the Best Maid Insurance
When it comes to safeguarding your maid services, there’s no room for compromise. That’s why maids across the country choose Insurance Canopy for peace of mind and reliable protection.
Insurance You Can Rely On
Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏
Simplified Coverage
Comprehensive, personalized insurance for your business – only pay for what you need
Expert Support
Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!
Hear What Our Real Clients Have To Say
-
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
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, 2024She is positive and friendly !
Alan Dynin
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, 2024 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024 -
Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024 -
Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024 -
Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024 -
I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024great experience so far, always able to reach a human representative on the phone!
New Groove
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
Adriana Chacon
March 25, 2024 -
Very easy process to get peace of mind
Kristen Talusan
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate Whelan
March 25, 2024Super friendly service..
Kristina Strong
March 25, 2024
-
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey 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, 2024 -
She is positive and friendly !
Alan Dynin
September 14, 2024 -
Excellent 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, 2024 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024
Got Questions? We’re on it.
Is my maid insurance policy effective immediately?
Yes, it sure is! You get to choose when your maid policy starts while you’re buying it. Coverage kicks in right after you finish your purchase, and you even get a nifty badge to show your maid service is insured!
Can I cancel my maid insurance policy at any time?
You may cancel your maid insurance policy at any time, but there is no money-back guarantee on months that you have already paid for. At Insurance Canopy, once you’re covered, you’re covered—our policies are 100% non-refundable. That means, in general, once your policy starts, you can’t cancel it for a refund. However, there are a few rare exceptions.
The one major exception is if one of our compliance officers decides your business doesn’t meet our policy standards within three business days of purchase. In that case, it’s like your policy never existed, and you’ll get a full refund.
How do I file a maid business claim?
Filing a maid service 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!
How do I renew my maid insurance policy?
Renewing your maid insurance with Insurance Canopy is a breeze thanks to our EZ-Renew feature, which automatically renews your policy each year. If you prefer not to use EZ-Renew, you’ll need to fill out a new application to continue your coverage.
As your business grows, our support team is here to help. Need to tweak your coverage limits, shuffle around some coverages, or adapt to new client demands? Just contact our support team, and we’ll ensure your policy grows right alongside your business.
What happens if I have a maid service claim after I cancel my insurance?
If you file a maid service 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.
Our team is always ready to help answer your questions. Smile included.
Want to talk to a real person? We do that too.
Monday to Friday, 8 am – 8 pm EST
se habla español
Clean with Confidence – We’ve Got the Coverage.
Related Articles
How To Scale A Cleaning Business
As a business owner in the cleaning industry, you’ll get your hands dirty.
How to Hire Cleaning Employees: 7 Proven Methods for Success
Whether you’re starting your cleaning business and are looking for employees, or you’re
Cleaning Up the Competition: How to Market Your Cleaning Business
A well-executed marketing strategy makes your cleaning business shine. From understanding your target
