Worker Type

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.

$35–$130/ monthSolo 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.

Get My Free Quote →

By clicking, you agree to Insurance Pro Agencies' Terms of Use and Privacy Policy, and authorize Insurance Pro Agencies, Inc and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.

Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.

🏆A+ AM Best Rated (Munich Re)🏢750,000+ Businesses Insured⚡Get a Quote in 10 Minutes📄Instant Certificate of Insurance🕐24/7 Online Policy Management

Coverage Types for House Cleaners

These are the key insurance policies most relevant to your business type — ranked by importance.

🛡️

General Liability

Required

Covers 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

Required

Required 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

Recommended

If 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.

See My Quote →

Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.

🏆A+ AM Best Rated (Munich Re)🏢750,000+ Businesses Insured⚡Get a Quote in 10 Minutes📄Instant Certificate of Insurance🕐24/7 Online Policy Management

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?

$35–$130per month

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.

15 min

To get covered online

Broker fees

Instant

Certificate of insurance

Frequently Asked Questions

What insurance does a residential house cleaner need?+

The essential coverage stack for house cleaners is: GL (property damage and bodily injury), a janitorial surety bond (theft protection for clients), and commercial auto if you drive between jobs. If you have employees, add workers' comp. Most solo house cleaners pay $400–$750/year for the core coverage package.

What does "bonded and insured" mean for house cleaners?+

"Bonded" means you carry a janitorial surety bond that protects clients against employee theft from their home. "Insured" means you carry GL coverage for property damage and injury. Both are required to legitimately claim "bonded and insured" — having only one is not sufficient.

Does house cleaning insurance cover damage to client property?+

Yes — GL covers accidental property damage during cleaning services, including: broken collectibles or furniture, cleaning chemical damage to surfaces, scratch and scuff marks, and accidental flooding from cleaning equipment. Intentional damage and gross negligence are typically excluded.

Do I need workers' comp for my part-time cleaning employees?+

In most states, yes. Workers' comp requirements apply to all employees including part-time workers. A few states have small-employer exemptions, but most require coverage from the first employee. Operating without workers' comp exposes you to fines and personal liability for work-related injuries.

Can ERGO NEXT cover my house cleaning business?+

Yes. ERGO NEXT covers residential and commercial cleaning businesses with instant online quotes and same-day COI.

Explore More

→Tradespeople & Skilled Trades →Creative Professionals →Consultants →Fitness Professionals →All Business Insurance Guides

Ready to Get Covered?

Join thousands of businesses that get insured online in minutes. No paperwork. No broker required. COI instant download.

Get My Free Quote →

🏆A+ AM Best Rated (Munich Re)🏢750,000+ Businesses Insured⚡Get a Quote in 10 Minutes📄Instant Certificate of Insurance🕐24/7 Online Policy Management