House Cleaning Insurance For Small Businesses And Independent Cleaners 
What types of insurance does a home cleaning business need?
Liability Insurance for House Cleaning
Working in clients’ homes means handling valuable belongings and personal spaces, where mistakes can lead to costly claims. With house cleaning insurance, you’re covered for property damage, accidental injury, and more. Whether you clean solo or manage a team, liability insurance for house cleaning helps protect your business, your reputation, and every home you serve.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Kinds Of House Cleaning Business Insurance Do I Need?
If you run a house cleaning business, the right house cleaning business insurance is essential to protecting your operations, employees, property, and reputation.
Here’s a breakdown of the most important insurance policies every house cleaning business should consider:
- General Liability Insurance – Covers third-party property damage or bodily injury
- Business Owners Policy– General liability insurance and business equipment coverage all in one.
- Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
- Cyber Liability Insurance – Safeguards against digital threats, ransomware, and data breaches.
- Commercial Auto – Covers accidents, injuries, and property damage involving company vehicle.
How Much Is Liability Insurance For House Cleaning Business?
Cleaning business insurance cost can vary, but generally, Gild Insurance customers’ policy coverages start at $500 annually.
Here are a few factors that influence house cleaning business insurance cost:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find your house cleaning business insurance is to get a free, online quote in minutes!
Why Insurance For House Cleaning Business?
Insurance for house cleaning business provides essential protection by shielding your business from costly accidents and helping you build a trusted, professional reputation.
- Protect Your Business Assets: One major liability claim could lead to a costly lawsuit that threatens everything you’ve built. Insurance helps protect your finances and keeps your business running.
- Meet Client Requirements: Many commercial and government clients won’t hire you unless you have liability coverage. Having insurance ensures you can take on bigger jobs and more lucrative contracts.
- Stand Out From the Competition: Being insured shows clients you’re serious, professional, and prepared, helping you earn their trust and win more business.
- Protect Your Reputation: Showing that your business is insured gives clients confidence that you’re responsible and ready for anything, strengthening your reputation and credibility.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Insurance for Your House Cleaning Business Today!
Your house cleaning business is more than the services you provide. It is your livelihood and a trusted part of your clients’ daily lives. With Gild, you get more than a policy. You get a partner who understands service businesses and provides the tools and support you need to stay steady when the unexpected happens.
Frequently Asked Questions
Working inside a client’s home means your business is trusted with both their property and personal space. The most common coverages for home cleaning businesses include:
- General Liability – Helps protect against claims if you accidentally damage furniture, flooring, or other household items.
- Workers’ Compensation – Covers employee injuries such as slips on wet floors or strains from lifting heavy objects.
- Employee Dishonesty Coverage – Can help if a client alleges theft of valuables or money.
- Commercial Property Insurance – Protects your cleaning equipment and supplies from fire, theft, or damage, even if stored at home.
- Commercial Auto Insurance – Covers accidents or damage involving vehicles you use to transport staff, supplies, or equipment to client homes.
How much does home cleaning business insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Is insurance legally required for home cleaning services or just expected by clients?
In most states, there’s no legal requirement for liability insurance if you work independently, but many homeowners will only hire insured cleaners. If you have employees, workers’ compensation is typically required by law.
Insurance isn’t just about meeting a requirement — it can be the deciding factor in whether you land a recurring cleaning contract.
Does home cleaning insurance cover tool theft or accidental damage on client premises?
Yes! When you carry the right coverage:
- Tool theft – Covered under commercial property insurance if your supplies or equipment are stolen from a job site or storage location.
- Accidental damage – Covered by general liability if you break, stain, or scratch something while cleaning.
Including these protections not only shields your business financially but also reassures homeowners that you take their trust seriously.
Let's Get The Best Insurance For Your Business!
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