What Does Cleaning Business Insurance Cover? A Guide for House Cleaners
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
Operating a house cleaning business comes with unique risks. From accidental damage in a client’s home to employee injuries, having the right cleaning business insurance is essential to protect your business, employees, and clients.
Understanding what your insurance covers helps ensure you’re adequately protected while avoiding unnecessary expenses.
General liability insurance is often considered the foundation of any cleaning business policy. It typically covers:
Accidental damage to clients’ property
Third-party bodily injury while on the job
Legal defense costs if a claim or lawsuit arises
This coverage ensures that your house cleaning business can handle unexpected incidents without significant financial strain.
If your cleaning business employs staff, workers’ compensation insurance is usually required by law. It covers:
Medical expenses for employees injured on the job
Lost wages due to workplace injuries
Rehabilitation costs if needed
Even if not legally required in your area, carrying workers’ comp coverage protects both your employees and your business from costly claims.
For cleaning businesses that use vehicles to transport supplies and equipment, commercial auto insurance provides coverage for:
Accidents involving company vehicles
Vehicle damage or theft
Liability for injuries caused in accidents
This ensures your vehicles and drivers are protected, reducing potential disruptions to your business operations.
Cleaning businesses rely on specialized equipment and supplies. Insurance for tools and equipment can cover:
Theft or loss of cleaning supplies
Damage to tools and machines essential for operations
Replacement costs for essential business equipment
This coverage helps prevent unexpected repair or replacement costs from impacting your cash flow.
Why Choose Wexford Insurance
Navigating cleaning business insurance policies can be complicated. Wexford Insurance specializes in contractor coverage, including house cleaning businesses. They can:
Provide fast, personalized quotes tailored to your business needs
Help you identify necessary coverage without paying for unnecessary policies
Bundle policies to save on premiums
Offer guidance to stay compliant with state regulations
Request your cleaning business insurance quote from Wexford Insurance today to ensure your house cleaning company is fully protected.
