FAQ_category: (HIDDEN) Industry FAQs

On average, home cleaning business owners pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Working inside a client’s home means your business is trusted with both their property and personal space. The most common coverages for home cleaning businesses include: 

• General Liability – Helps protect against claims if you accidentally damage furniture, flooring, or other household items. 

• Workers’ Compensation – Covers employee injuries such as slips on wet floors or strains from lifting heavy objects. 

• Employee Dishonesty Coverage – Can help if a client alleges theft of valuables or money. 

• Commercial Property Insurance – Protects your cleaning equipment and supplies from fire, theft, or damage, even if stored at home. 

• Commercial Auto Insurance – Covers accidents or damage involving vehicles you use to transport staff, supplies, or equipment to client homes. 

In most states, general liability insurance is not legally required, but many clients and commercial contracts will not hire a cleaning business without proof of it. It’s considered essential for protecting your business from lawsuits and for meeting client expectations. 

Carrying liability insurance shows professionalism and ensures you’re prepared for unexpected incidents. 

Yes! When you have the right policies in place: 

• Employee theft – Employee dishonesty coverage can help cover losses if a team member is accused of stealing from a client. 

• Property damage – General liability insurance can step in if your business accidentally breaks, stains, or otherwise damages a client’s property while on the job. 

On average, cleaning business owners pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs.