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.
