House Cleaning Insurance

Starting at
$ 27 /month
The Insurance Marketplace for House Cleaning Businesses
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Insurance Canopy & House Cleaning Insurance

You've worked hard to develop expert knowledge as a house cleaner, we know that, because you do your best to keep your clients safe and satisfied. However, your cleaning business faces risks every day, such as spills and stains from cleaning solutions, damage to a client’s possessions or property, and slip-and-fall accidents. You never know when an accident could sweep your financial resources away. House cleaning liability insurance can protect you should an accident happen. We offer house cleaning insurance policies at an affordable price, and our licensed insurance agents are available to answer any questions you may have about purchasing a policy. Contact us today to get insurance for your house cleaning business.

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Digital Certificate of Insurance

With our user-friendly portal, you can download proof of insurance and certificates immediately after purchase! Documents are available 24/7 to redownload.

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Optional Tools & Equipment Coverage

Ensure all of your supplies and equipment receive the same coverage. Add Tools & Equipment Coverage to your policy today.

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Easily Add Additional Insureds

Add third parties to your policy at the time of purchase, or anytime through your user login! Help give reassurance to property owners or landlords who need coverage under your policy.

Coverage Details

Maximum Liability Insurance Limits  
General Aggregate 
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
Products & Completed Operations Aggregate 
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
Each Occurrence Limit  
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
Personal & Advertising Injury Limit 
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person's right of privacy
- The use of another's advertising idea in your advertisement
Damage to Rented Premises Limit 
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
Medical Expense Limit 
A general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

Optional Coverage Options

Tools & Equipment Coverage
Premium Deductible
$1,000/$3,000 $40 $250
$2,000/$6,000 $55
$5,000/$10,000 $60
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Tools & Equipment Coverage
One of the best things you can do for your equipment and supplies is to protect it from common risks, such as theft. Your business is your investment. You can add an extra layer of protection to your company by insuring your business equipment, cleaning supplies, and tools from unexpected damage or theft. This optional coverage can be included with a small additional monthly premium.
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Flexible Monthly Payments
Our customers enjoy the flexibility of selecting annual or monthly payments for their carpet cleaning business. Find the right solutions that work for you and ensure that your business will be protected in the event of an insurance claim! Contact us with additional questions regarding your payment options.
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Digital Insurance Certificate
Many clients want to work with professionals who are insured. If you are bidding on contracts with clients who require insurance, you have come to the right place. Your application can be completed in 10 minutes or less, and Insurance Canopy customers provide a digital version of insurance policy documents immediately after purchase. These documents are available through your online account 24/7. Enjoy the convenience of our user-friendly portal to download your certificate and proof of insurance.

Questions About House Cleaning Insurance

House cleaning business insurance is designed to cover claims related to the daily operations of your business. For example, if your client slips and falls over cleaning materials, house cleaning business insurance could help cover the costs of these unexpected claims.

Insurance provides general liability, personal and advertising injury, damage to premises rented and more.

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Insurance for house cleaning businesses is an essential component of your company’s business plan and risk mitigation strategy. With the help of insurance, you can safeguard your business if you face a third-party claim.

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House cleaning insurance from Insurance Canopy starts at $26.67 per month, although the total monthly cost varies depending on your specific situation and the amount of coverage you require.

The price of your insurance policy will depend on a few factors, such as the size of your business, annual employee payroll (including owner), desired coverage amounts and limits, and the state where your business is located.

When you complete your application, you’ll be quoted a monthly price that includes coverage options tailored to your needs. Upon purchasing, you will receive instant access to your policy documents and immediate proof of insurance.

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Depending on the type of company you have and your location, you may be required to have cleaning insurance. If coverage isn’t required for your location, we highly recommend considering insurance for housekeepers because it can give you peace of mind and safeguard your business from financial strains. Since your job requires you to travel to several locations and your company faces risks every day, coverage can protect your assets if you are caught in a legal bind.

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Other than insurance safeguarding your business assets, coverage is designed to respond to claims you may face and can offer peace of mind while operating. By insuring your home cleaning business with Canopy, you have access to our insurance badge and can use it as a marketing tool. Many of our customers have found that having coverage can help with gaining clientele and standing out from competitors.

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House cleaning insurance covers residential and small commercial cleaning businesses, such as cleaners, maids, and housekeepers. Insurance for house cleaning businesses covers most common incidents that could occur as a professional house cleaner, which could lead to your company being held financially liable. In an Insurance Canopy policy are included the following:

  • General liability coverage: You have a $2,000,000 general aggregate, and a $1,000,000 limit for each occurrence. This means that if one of your clients files a claim, you can be covered for up to $1,000,000.
  • Products & Completed Operations Aggregate: This is the maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, what’s not included in this policy is products that are sold, or distributed.
Get a quote today

Purchasing an insurance policy for your house cleaning business is simple and takes less than ten minutes. Instead of receiving a house cleaning insurance quote, you fill out an application online and provide information about your business. Some of the questions include how many employees you have, what state your business operates in, and more. When you have finished your application, you will be able to review the total amount that you will be paying each month.

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Yes, Insurance Canopy offers cleaning bonds! You can now easily purchase bonding after you complete your cleaning insurance policy purchase. When you log in to your customer dashboard, you can edit your policy options and choose an affordable bonding policy for your cleaning business.

Learn more about bonds

We offer 2 janitorial bond limits, both with affordable annual pricing! Choose the right limit to cover your business needs. Get a $10,000 bond from $181 / year or select a $5,000 Bond from $134 / year. These can be found in your customer dashboard after you purchase your general liability policy.

Learn more about bonds

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

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Need additional information before making a decision?

Give our team a call today at 844.520.6993


House Cleaning Insurance

Monthly Policy: Starting at $26.67 a month - Protect your business and equipment with complete cleaning business insurance! Work with our experts that understand possible claims you will face! Let us be your resource and answer any questions you may have.

Learn More About Insurance for Cleaning Businesses

Insurance Canopy Can Get You Insured Today in Less Than 10 Minutes!

House Cleaning Insurance
Licensed in All 50 States