House Cleaning Insurance
Why do I need House Cleaning Insurance?
As a house cleaner, accommodating your clients’ needs (and schedules!) is part of the job. You need insurance coverage that’s there just when you need it, whether that’s five minutes before a last-minute booking or months in advance.
House Cleaning Insurance arranged by Thimble is designed to respond to incidents involving third-party bodily injury and property damage. As a general liability coverage, it provides protection 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. Types of third-party claims that could arise as a house cleaner:
Bodily Injury: You are mopping the kitchen floor in a client’s home. They enter the room and slip on the wet floor, sustaining a back injury.
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, and control (CCC exclusion), but we don’t. House Cleaner Insurance arranged by Thimble covers damage to third-party property that you’re working on or that’s in your care. 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.
How much does small business insurance for house cleaners cost?
The cost of your House Cleaner 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 down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.
To get an accurate idea of how much house cleaner insurance would cost you and your business, get a quote from Thimble.
How quickly will I get a Certificate of Insurance?
Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.
You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.
Does my house cleaner 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 third party, such as a client. With Thimble, you can add your employees as crew members to the policy so that their actions are also covered.
Still have questions?
Quick-thinking insurance for fast-moving businesses.
Less questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.
Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.
No hidden fees. No hard feelings. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.