Business Insurance for House Cleaners
House cleaners enter clients' most private spaces and handle their valuables every day. The right insurance and bonding protect your reputation, your clients, and your business when things go wrong.
Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.
Coverage Types for House Cleaners
These are the key insurance policies most relevant to your business type — ranked by importance.
General Liability
RequiredCovers accidental property damage in client homes — broken items, cleaning chemical damage to surfaces, and accidental flooding. Required by most residential clients and platforms like Handy or Amazon Home Services as a condition of listing.
Janitorial Surety Bond
Required"Bonded and insured" is the residential cleaning standard. A janitorial bond protects clients against employee theft — it's a trust signal that lets clients feel safe having you in their home. Most clients ask; professional cleaners have it ready.
Workers' Compensation
RequiredRequired in most states for any cleaning business with employees. Slip-and-fall injuries, chemical exposure, and repetitive motion injuries are common workers' comp claims for residential cleaners.
Commercial Auto
RecommendedIf you drive to client homes with supplies and equipment, personal auto policies may exclude regular commercial use patterns. A commercial auto or hired/non-owned auto endorsement covers you while traveling between jobs.
Get Your Instant Quote
100% online. No broker call required. Get covered and download your Certificate of Insurance in under 15 minutes.
Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.
Powered by ERGO NEXT · Instant certificate of insurance · Cancel anytime
What You Need to Know
- →"Bonded and insured" is the trust signal that wins residential cleaning contracts — have your COI and bond certificate ready to share before the first appointment.
- →Client property damage is the most common claim for house cleaners — accidental breakage, chemical damage to flooring or countertops, and scratch/scuff claims.
- →Platform cleaners (Handy, TaskRabbit, Amazon Home Services) must verify platform coverage limits and gaps — platform insurance typically has significant exclusions and low limits.
- →Workers' comp is mandatory in most states for cleaning businesses with any employees — operating without it is illegal and creates personal liability for work injuries.
- →ERGO NEXT covers residential and commercial cleaning businesses with instant online quotes and same-day COI.
What Does It Cost?
Solo residential cleaners: $35–$75/month for GL + bonding. Small cleaning businesses with 2–5 employees: $100–$200/month. Add workers' comp for about $50–$100/month per employee.
Frequently Asked Questions
Frequently Asked Questions
Explore More
Ready to Get Covered?
Join thousands of businesses that get insured online in minutes. No paperwork. No broker required. COI instant download.