House Cleaning / Housekeeping Insurance
Coverage for house cleaners and housekeepers working inside a customer's home, around their belongings, on floors that turn slick when wet.
What this coverage is intended to address
- ✓Property damage that may arise when a cleaning task chips, stains, or breaks a customer's furnishings or fixtures
- ✓Slip-and-fall bodily injury that may occur on a freshly mopped or wet floor
- ✓Allegations of theft of a client's property, which a janitorial / fidelity bond is generally intended to address
Coverage products commonly considered
Most house cleaning / housekeeping operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A vacuum cord catches a side table and topples a lamp that breaks — general liability is intended to respond in the event of a covered claim.
- A homeowner returns to a wet kitchen floor, slips, and alleges an injury. A claim of this nature is generally intended to be addressed under the liability portion of the policy.
Frequently asked questions
What if a client accuses a cleaner of taking something?
Theft allegations are a real exposure when working inside homes. A janitorial or fidelity bond is generally intended to respond to covered employee-theft claims, separate from general liability. Bond availability varies by carrier.
Does this account for breaking something while cleaning?
Accidental damage to a customer's property is a core house-cleaning risk, and general liability may help respond to resulting third-party damage, subject to the policy form.
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