House Cleaning & Housekeeping Insurance

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Why do I need House Cleaning or Housekeeping Insurance?

As a house cleaner or housekeeper, accommodating your clients’ needs (and schedules!) is part of the job. You need insurance coverage that’s there when you need it, whether that’s five minutes before a last-minute booking or months in advance.

House Cleaning and Housekeeping Insurance offered by Thimble is designed to respond to incidents involving third-party bodily injury and property damage. Commercial General Liability Insurance can help to protect your business from financial liability because of accidents that cause bodily injury, property damage, and personal and advertising injury to third parties. It also provides the investigation and legal defense for those types of claims brought against you and your business, even if you are ultimately not found to be responsible.

What is covered with a House Cleaning or Housekeepers General Liability Insurance policy?

Types of third-party claims that could arise as a house cleaner or housekeeper include:

Bodily Injury

You are mopping the kitchen floor in a client’s home. Someone (other than an employee) enters the room and slips on the wet floor, sustaining a back injury. If that non-employee files a claim against you to recoup their medical bills, your policy can help cover those expenses.

Property Damage

You are vacuuming a client’s dining room when the cord of the vacuum gets wrapped around an expensive dining chair, toppling the chair and snapping the oak frame. You could be held liable for the property damage.

No CCC exclusion

Many cleaning general liability insurance policies carry an exclusion for property damage to property in your care, custody, or control (CCC exclusion), but we don’t. House Cleaner Insurance offered by Thimble covers damage to third-party property that you’re working on or that’s in your care up to the value for this coverage you select when you purchase the policy. For example, you accidentally damage the Persian rug you’re cleaning. The property damage is typically not included under general liability insurance. However, with Thimble, the rug would be covered up to the coverage limit. Without this coverage, one accident or claim could create a costly setback.

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How much does small business insurance for house cleaners and housekeepers cost?

The cost of your House Cleaner or Housekeepers Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your house cleaning business.

With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible house cleaner insurance through the Thimble app and customize your coverage term, so you only pay for what you need. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at little or no extra cost.

To get an accurate idea of how much house cleaner and housekeeper insurance would cost you and your business, get a quote from Thimble.

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What other Business Insurance Should House Cleaners and Housekeepers have?

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Business Owners Policy/Package

Thimble offers a Business Owners Policy Package that combines two of the most important types of coverage for any business – general liability and commercial property insurance (with business interruption insurance). Insureds can also opt in to additional optional coverages, including equipment breakdown.

Workers’ Compensation

Almost all states now mandate licensed businesses to obtain workers’ compensation insurance if they employ a certain number of employees. This can help benefit your employees in the event they are injured while working as your employee. From covering medical expenses to lost wages and even funeral expenses, this coverage is key if you employ others in your housekeeping or house cleaning business.

Cyber Insurance

Your cleaning business could suffer financial consequences of digital attacks, just like any other business. Cyber insurance, or cyber security insurance, is designed to give you first-party and third-party coverage for digital risks like viruses, malware, security breaches, ransomware, or other cybercrimes.

House Cleaning Insurance FAQs

How quickly will I get a Certificate of Insurance (COI)?

Instantly, in most cases. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox shortly after purchasing a policy with Thimble.

You can also add and modify your qualifying Additional Insureds as many times as you’d like directly from the Thimble App.

Does my house cleaner or housekeeper insurance coverage include myself as the business owner and any employees?

Your General Liability cleaning insurance covers accidents that result in bodily injury or property damage to a non-employee third party, such as a client or a client’s guest. With Thimble, you can add your employees as crew members to the policy so that their actions are also covered in the course of their duties.

Can I get house cleaner insurance same day?

Yes! (Some exclusions apply.) Simply complete your quote and purchase (which can include first and last month’s premium depending on the coverage duration you choose) so you can receive the proof of insurance you need in the form of a Certificate of Insurance (or COI).