What Kind of Insurance Do I Need for a House Cleaning Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Aug 28
- 2 min read
Starting a house cleaning business is a smart move—but protecting it is even smarter. Whether you’re offering residential maid services, Airbnb cleaning, or commercial office cleaning, having the right insurance coverage is essential to operate legally, safely, and confidently.
At Wexford Insurance, we specialize in helping cleaning professionals find tailored insurance solutions. In this guide, we’ll break down the types of insurance your house cleaning business needs and how they protect your operations, employees, and reputation.
Why Insurance Matters for House Cleaning Businesses
Cleaning businesses face unique risks every day:
Accidental damage to client property
Slip-and-fall injuries
Equipment theft or breakdown
Employee injuries on the job
Without proper coverage, these incidents can lead to costly lawsuits or business interruptions. That’s why working with a niche-focused agency like Wexford Insurance—which understands the cleaning and property maintenance industry—is crucial.
🔗Read more: Why small businesses need insurance
Essential Insurance Coverage for House Cleaning Businesses
Here are the key types of insurance you should consider:
This is the foundation of your coverage. It protects your business from third-party claims of:
Property damage (e.g., broken items during cleaning)
Bodily injury (e.g., a client slips on a wet floor)
Legal fees and settlements
If you have employees, this coverage is often legally required. It covers:
Medical expenses for work-related injuries
Lost wages
Rehabilitation costs
If you use a vehicle to transport cleaning supplies or staff, personal auto insurance won’t cover business-related incidents. Commercial auto insurance protects against:
Accidents while driving for work
Vehicle damage or theft
Liability claims
Your cleaning gear is essential to your business. This coverage protects:
Vacuums, mops, and cleaning machines
Supplies and chemicals
Equipment damaged on-site or in transit
If you operate out of an office or store supplies in a facility, this insurance covers:
Fire, theft, or vandalism
Damage to your workspace
Loss of inventory or equipment
Tailored Coverage for Every Cleaning Service Type
At Wexford Insurance, we work with a wide range of cleaning professionals, including:
Deep Cleaning Services
Maid Services
New Build Final Clean
Airbnb & Short-Term Rental Cleaning
Apartment Cleaning
Office Cleaning
Each service type comes with its own risks—and we help you find coverage that fits your business model.
External Resources for Help
Final Thoughts
Insurance isn’t just a legal requirement—it’s a smart investment in your business’s future. With the right coverage, you can focus on growing your house cleaning business while staying protected from unexpected setbacks.
Need help finding the right insurance for your cleaning business?
Visit Wexford Insurance to explore our specialized insurance programs for residential and commercial cleaning professionals.