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!
- Covers Broken Items While Cleaning – Protection if you damage furniture or valuables
- Builds Trust With Homeowners – Show proof of coverage and land more cleaning jobs
- Insures Your Gear – Optional coverage for everyday cleaning equipment
4.7/5 on
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 starts at just $39 per month, offering comprehensive protection for your business without breaking the bank. It’s a small investment that can save you from costly claims and unexpected expenses down the road.
Getting a personalized quote is easy with our quick, 100% online application. No more long phone calls with an agent — enjoy instant coverage at your convenience!
Save when you choose annual!
Why pay more when you can save? By opting for annual payments, you’ll enjoy up to a 12% discount — saving money while securing a full year of peace of mind. Not only does this reduce your monthly budgeting stress, but it also ensures uninterrupted coverage for your business.
“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
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
Accidents can happen on any cleaning job — and that’s where workers compensation comes in. For maid service businesses, this coverage helps pay medical bills and replace lost wages if a team member gets hurt while working. Think slips on wet tile, strained muscles from lifting heavy laundry baskets, or allergic reactions to cleaning chemicals.
In most states, having workers comp isn’t optional. But more than just following the law, it shows your cleaning crew that their safety and well-being matter to you.
Commercial Auto Coverage
Running a maid service means your vehicles are always on the go — traveling to homes, carrying supplies, and moving equipment. Commercial auto insurance protects your business if something goes wrong on the road.
It covers the cost of vehicle damage, medical bills, and legal fees after accidents, whether minor or serious. Personal auto policies usually won’t cover work-related driving, and most states require commercial auto insurance by law.
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
$250
$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
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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
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.
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