House Cleaning Insurance: What You Need to Know

When it comes to house cleaning, accidents can happen. Spills, broken items, and damages to property are all possible occurrences during a cleaning session. That’s why it’s important to have insurance coverage for your house cleaning business. In this article, we’ll discuss everything you need to know about house cleaning insurance.

What is house cleaning insurance?

House cleaning insurance is a type of insurance policy that covers damages or injuries that may occur while cleaning a client’s home or property. It’s similar to liability insurance but tailored specifically for house cleaning businesses. With the right insurance coverage, a house cleaning business can protect itself and its clients from financial loss due to accidents or damages during cleaning.

What does house cleaning insurance cover?

House cleaning insurance typically covers the following:

What is not covered by house cleaning insurance?

House cleaning insurance does not typically cover intentional acts of damage or the theft of a client’s property. It also does not cover damages to a cleaning business’s own property that occurs outside of the client’s home or property.

Why do house cleaning businesses need insurance?

House cleaning businesses need insurance for a few reasons:

Legal Requirements

Some states or local municipalities may require house cleaning businesses to have liability insurance in order to operate. Check with your local government to see what insurance requirements apply to your business.

Protection from Liability

If a cleaning business is found liable for damages or injuries that occur during cleaning, it can quickly become a financial burden. Insurance coverage can help protect the business from such liabilities and ensure that clients are compensated for any damages or injuries.

Credibility and Professionalism

Having insurance coverage can help your cleaning business appear more credible and professional to potential clients. It shows that your business takes responsibility for its actions and is prepared for any accidents that may occur during cleaning.

How much does house cleaning insurance cost?

The cost of house cleaning insurance can vary depending on a few factors, such as the type of coverage needed, the size of the cleaning business, and the location of the business. On average, a small cleaning business can expect to pay around $300 to $500 per year for basic liability insurance coverage.

Factors that can affect the cost of house cleaning insurance:

• The type and amount of coverage needed
• The size of the cleaning business (number of employees, annual revenue)
• The location of the business
• The cleaning business’s claims history and risk profile

How to choose the right house cleaning insurance policy?

Choosing the right house cleaning insurance policy can be overwhelming, but here are a few tips to help you get started:

Assess your business’s needs

Determine what type of coverage your cleaning business needs based on its size, revenue, and the services it offers. Consider the risks involved with your business and the likelihood of accidents or damages occurring during cleaning.

Compare policies and prices

Shop around and compare policies from different insurance providers to find the best coverage and price for your business. Look at the coverage limits, exclusions, deductibles, and premiums of each policy.

Check for additional benefits

Some insurance providers may offer additional benefits, such as 24/7 claims service, risk management tools, or discounts for bundling multiple policies.

Review the policy carefully

Before purchasing a policy, review the coverage details, exclusions, and limitations carefully. Make sure you understand what is covered and what is not covered by the policy.

FAQ

Do I need house cleaning insurance if I work alone?

Yes, even if you work alone, you may still need house cleaning insurance. Accidents can happen regardless of the size of your business, and insurance coverage can help protect you from financial loss due to damages or injuries.

Do I need house cleaning insurance if I only clean my friends’ or family’s homes?

It’s still recommended to have house cleaning insurance even if you only clean the homes of friends or family members. Accidents can still occur, and insurance coverage can help protect your relationships and finances.

What happens if I don’t have house cleaning insurance and an accident occurs?

If an accident occurs and you don’t have insurance coverage, you may be held personally liable for any damages or injuries that occur during cleaning. This can result in significant financial loss and damage to your business and reputation.

Can I purchase house cleaning insurance online?

Yes, many insurance providers offer online quotes and purchasing options for house cleaning insurance policies. It’s important to research and compare policies before making a purchase.

Can I add additional insured to my house cleaning insurance policy?

Yes, many house cleaning insurance policies allow you to add additional insured, such as clients or subcontractors, to your policy.

What should I do if I need to file a claim?

If you need to file a claim, contact your insurance provider as soon as possible. Provide as much detail as possible about the incident and any damages or injuries that occurred. Your insurance provider will guide you through the claims process.

Conclusion

House cleaning insurance is an essential coverage for any cleaning business. With the right insurance policy, a cleaning business can protect itself and its clients from financial loss due to accidents or damages during cleaning. When choosing a house cleaning insurance policy, make sure to assess your business’s needs, compare policies and prices, and review the policy details carefully.