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.