Do I need insurance for residential cleaning jobs?

You may not always be legally required to have it, but most property management companies require proof of GL before you can work in their properties. And even without a requirement, one claim from a homeowner can easily exceed a year's worth of premiums.

Can I add a homeowner as additional insured?

Yes — we can issue certificates naming specific homeowners or property managers as additional insured. This is common for rental property work and some HOA-managed communities.

Do I need insurance if I'm just helping a friend for cash?

If you're being paid for cleaning work, you're operating a business in the eyes of an insurance carrier — and you're exposed to claims. Coverage is typically affordable enough that it's worth having even for occasional paid work.

How quickly can I get coverage if I have a job starting tomorrow?

Same-day coverage is typically available. Fill out the quote form today and our agents will get you a quote quickly. Once you bind, your COI is issued instantly.

Residential Cleaner Insurance

Q: What if a homeowner accuses my employee of stealing something?

That's exactly what employee dishonesty coverage is for. It protects both you and the client if an employee is accused of theft or a dishonest act while working inside a home. GL alone doesn't cover this — it's a separate coverage we can add.

Do Residential Cleaners Need Insurance?

Yes — and more homeowners and property managers are requiring proof of it before work starts. Even without a formal requirement, residential cleaning work carries real liability exposure. A spilled cleaning solution damages hardwood floors, a piece of furniture is broken while moving it, a homeowner trips over your equipment — these situations happen, and without insurance you're personally on the hook.

What Residential Cleaners Need

General Liability

The foundation of residential cleaner coverage. Covers third-party bodily injury and property damage related to your work. If a homeowner's property is damaged during a job, or someone is injured in connection with your work, general liability responds to cover the legal costs and damages.

Employee Dishonesty Coverage

You and your team are inside homes, often alone, around other people's belongings. Employee dishonesty coverage protects your clients — and your reputation — if an employee is accused of theft or a dishonest act while on the job. More homeowners are asking about this before booking.

Completed Operations

This is included in your general liability policy and covers claims that arise after a job is finished. A homeowner notices damage discovered after you've left, or a surface reacts poorly to a cleaning product used earlier — completed operations coverage responds to these after-the-fact claims.

What Homeowners and Property Managers Often Require

Many property management companies now require proof of general liability before approving a cleaner to work in their properties. Typical requirements include a certificate of insurance showing at least $1M per occurrence, and the property manager or management company named as an additional insured.

Once you bind coverage with us, your COI is issued instantly and you can send it to any client or property manager right away.

How Much Does Residential Cleaner Insurance Cost?

Most solo residential cleaners pay between $350 and $800 per year for general liability. Adding employee dishonesty coverage or a bond brings the total to $450–$1,000 depending on your coverage amount. Cleaners with employees or subcontractors pay more based on payroll and revenue.