House Cleaners Insurance

House cleaners - whether self-employed or a business with multiple staff members require an insurance policy in place. Though insurance policies are often optional, some states require certain insurance policies by law.

In many cases, potential clients will also want you to have basic insurance coverage in place before they hire you just so that they are protected in case something happens.

Besides protecting the client, having a house cleaner's insurance policy in place will also protect you from claims made against you, which otherwise would have cost you money to resolve.

There are many reasons why house cleaners need insurance. One of the most important reasons is that cleaning is a hazardous job. There are many risks that come with cleaning, such as slips and falls, burns, injuries from cleaning chemicals, and even getting sick from dirty surfaces.

Another reason why house cleaners need insurance is because they can be sued if something goes wrong while they're cleaning someone's home. For example, if a cleaner accidentally breaks something in the home, the homeowner could sue them.

Insurance can also help protect house cleaners if they're injured on the job. If they're injured and can't work, insurance can help cover their medical expenses.

House cleaners and maids can greatly benefit from taking out a house cleaners insurance policy. The level of cover you need will depend on how big your business is, the customers you work with, the value of your tools and equipment, if you have any staff employed under your company, if your business owns any vehicles, and more.

For a more detailed overview of the coverage businesses in your industry are recommended, please take a look below.

The total cost of your insurance coverage will depend on your individual circumstances, what you want to be covered against, and if you're a business or an individual.

If you're an individual that only requires general liability insurance, then expect to pay around $45 per month or just over $500 per year for insurance.

In case you're running a cleaning business and require more comprehensive coverage for your vehicles and staff, then expect to pay an additional $140 per month on workers' compensation insurance and around the same for commercial auto insurance.

So, for an average cleaning business, you'd be looking at around $3,500 in insurance costs per year.

One thing you want to avoid is trying to save money from insurance policies. That can cost you a lot more over the long run if claims start to come in and cause you additional unnecessary headaches.

Generally speaking, self-employed house cleaners claim insurance for any property damage caused as a result of cleaning the client's home. In rare cases, if the floor is wet and the client falls and breaks a bone, they can make a claim, which could cost you financially.

Luckily, for single-person cleaning businesses, general liability insurance is often enough.

If you're running a larger cleaning business, however, on top of general liability insurance claims, expect to also make claims regarding your vehicles if they are in an accident or if your employees fall sick or have an accident while at work.