How much does house cleaning insurance cost?

House cleaning companies pay an average of $44 per month, or $525 per year, for general liability insurance.

A general liability policy helps pay for legal fees if a client slips on a wet floor, or if a house cleaner accidentally damages a customer's property, such as their furniture. It also covers advertising injuries, which include slander, libel, and copyright infringement.

This is the average general liability insurance policy for house cleaning businesses that buy from Insureon:

Premium: $44 per month
Policy limits: $1 million per occurrence; $2 million aggregate

The cost of general liability insurance depends on factors such as the coverage limits you choose, the size of your business, the amount of foot traffic, and any subcontractors or additional insured endorsements. Learn more about how your premium is calculated.

House cleaning businesses pay an average of $116 per month, or $1,395 annually, for workers' compensation insurance.

Workers' comp insurance covers medical expenses and disability benefits when you or an employee suffers a work-related bodily injury or illness. For example, a maid could slip and fall on a wet floor and break a bone.

Typically, state laws require house cleaning businesses that have employees to carry this coverage. It's also recommended for sole proprietors, as health insurance plans can deny claims when an injury or illness is related to your job.

Most workers' compensation policies include employer's liability insurance, which provides protection in case a house cleaner sues over a work injury.

The cost of workers' comp depends on your business's location and the number of employees, among other factors.

The average cost of a janitorial bond is $10 per month, or $120 annually, for house cleaning companies. You might need this bond in order to sign a contract with a client.

Janitorial bonds are a type of surety bond, also called employee dishonesty coverage or a fidelity bond. If a house cleaner steals from a client's home, the insurance company will reimburse the client for their loss. Unlike a typical insurance policy, you must pay this amount back to the insurer.

When you carry a bond, customers know they can trust your company to protect them. In fact, some customers may choose only to hire bonded and insured cleaning companies.

The cost of a surety bond depends on how much coverage you buy, as it's a percentage of the total bond amount.

House cleaning companies pay an average of $138 per month, or $1,652 per year, for commercial auto insurance.

This policy can pay for property damage and medical bills in an accident involving a vehicle owned by your house cleaning or maid service company. It can also cover vehicle theft, vandalism, and weather damage.

Most states require this type of insurance for vehicles owned by a business. For personal, rented, and leased vehicles used for work purposes, look to hired and non-owned auto insurance (HNOA) instead.

The cost of commercial car insurance depends on several factors, including the policy limits you choose, claims history, the value of your business vehicle(s), and the driving records of anyone permitted to drive.

House cleaning companies that are small and have few risks are often eligible for a business owner's policy. For these eligible house cleaning businesses, the average premium for a BOP is $69 per month, or $832 per year.

A business owner's policy is the best way for house cleaners to protect themselves against the most common third-party lawsuits and business property damage. It bundles both general liability coverage and commercial property insurance together at a lower cost than buying these policies separately.

This is the average business owner's policy for house cleaning businesses that buy from Insureon:

Insurance premium: $69 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

You can often add business interruption insurance to a BOP, which covers day-to-day operating expenses and other costs if your house cleaning business is forced to close temporarily due to a fire or other covered property claim.

The cost of a business owner's policy depends on the value of your cleaning equipment and other property, along with the same factors that affect your general liability premium, such as your type of business and its size.

House cleaning businesses pay an average premium of $63 per month, or $758 per year, for commercial umbrella insurance. This policy can offer the extra coverage you need to satisfy a client's requirements for higher limits on another underlying policy.

Umbrella insurance boosts the protection of your general liability insurance, commercial auto insurance, and employer's liability insurance in $1 million increments. When a claim exceeds the limits of the underlying policy, umbrella insurance kicks in to provide coverage.

The cost of umbrella insurance depends on your risks and on how much coverage you buy. You need to buy a certain amount of underlying coverage before you can buy umbrella insurance.