Tailored Maid Insurance to Dust Off Your Worries

Sweep away risks with affordable insurance for cleaning mishaps, damage, and lost gear—let your business shine!

Starting At

$39/ month

or save 12% when you choose annual
4.8/5
maid smiling

Why Do Maids Need Insurance?

Maids face various risks in their line of work, from accidental property damage to unforeseen bodily injuries. Without proper insurance coverage, these risks can result in significant financial losses and legal liabilities for the maid service business. Learn about more common cleaning insurance claims here!

If you accidentally knock over a delicate lamp while dusting

That’s just a little hiccup! We’ll cover the repair or replacement costs.

If a client or pet gets injured during your cleaning routine

Ouch. We’ll cover the medical expenses and legal fees!

If your vacuum suddenly breaks while on the job

Oopsie-daisy! We’ll shoulder the repair or replacement.

If you accidentally use a harsh cleaner on a delicate surface

Don’t fret, we’ll cover the damage costs.

How Much Does Maid Insurance Cost?

Maid insurance starts at just $39 per month, offering comprehensive protection for your business without breaking the bank. It’s a small investment that can save you from costly claims and unexpected expenses down the road.

Getting a personalized quote is easy with our quick, 100% online application. No more long phone calls with an agent — enjoy instant coverage at your convenience!

Save when you choose annual!

Why pay more when you can save? By opting for annual payments, you’ll enjoy up to a 12% discount — saving money while securing a full year of peace of mind. Not only does this reduce your monthly budgeting stress, but it also ensures uninterrupted coverage for your business.

Photo of Nicole Haas

“Signing up was easy. It’ll give any client the comfort of knowing that you have coverage.”

Plus, it’s a good, affordable coverage that covers what I need. I definitely recommend it to people—including my son and those in other industries. I tell them to call Insurance Canopy and get covered, because it’s not overly expensive. When other people in the cleaning industry say they’re not insured, I say, “Why? It’s literally $39 per month.”

– Nicole H., Owner of Nothing But Perfection

Protected by Insurance Canopy Since 2022

What Does Insurance for Maids Cover?

We recommend maids to include several different coverages in their maid insurance policy. Our recommended coverages include:

Included

General Liability Coverage

General liability insurance covers public liability which protects maids from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client trips over equipment while the maid is working on-site, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, this coverage does not extend to you or your employees; it only protects clients or the public if they are injured on your property or as a result of your employee’s actions. General Liability also includes Public Liability Insurance for your cleaning business.

Add-Ons

Cyber Liability Coverage

If your maid service faces a cyberattack or data breach, this insurance covers the costs of getting back on your feet, like legal bills, notification expenses, and credit monitoring for affected individuals.

Tools and Equipment Coverage

Tools and equipment coverage, also known as inland marine, provides protection for the valuable equipment used by maids. This insurance steps in when your trusty tools get damaged or stolen while on the job. With this insurance, you can keep your cleaning game strong without worrying about unexpected financial messes.

Janitorial Bonds

Bonds are ‘trust boosters’ for your maid service business. They reassure your clients that you’ll stick to your promises and clean with integrity. If anything goes amiss, like a mishap or a missing item, the janitorial bond steps in to make things right.

Additional Insureds

Adding additional insureds is all about giving extra protection to your clients or landlords, so they feel safe and secure knowing they’re covered under your maid policy. This not only builds trust but also shows that you’ve got everyone’s back, making your business relationships rock-solid.

Workers Compensation Coverage (Coming Soon!)

Your cleaning crew is the heart and soul of your business. If they ever get hurt or sick while working, this insurance steps in to cover their medical bills, lost wages, and even helps with their recovery, ensuring they can scrub, mop, and dust with confidence.

Get notified when workers compensation is available in your state!

A sketched out arrow

What’s Not Covered with Maid Service Insurance?

When considering the best maid insurance, it’s important to be aware of the following exclusions.

  • Water removal/extraction, mold remediation, fire, smoke, flood or other disaster services
  • Operations involving construction debris removal
  • Construction, maintenance, repair, renovation, or property preservation service
  • Cleaning of the exterior of buildings and/or power washing other than from the ground level
  • Chimney cleaning
maid with a cleaning cart
maid looking confused

How Do I Know What Maid Insurance Coverage I Need?

Here are some tips to help you assess your maid insurance coverage needs based on your business size, equipment, and services offered.

New and Growing Businesses

For new and growing cleaning teams with more frequent client meet-and-greets and moderate risk. Let’s keep those mops spinning! Example: Your small but mighty crew tackling homes and light commercial spots like pros.

  • General Liability: $500,000 per incident / $1,000,000 per year.
  • Tools and Equipment Insurance: $2,000 per incident / $6,000 per policy year (+$4.58/month).

Established Business

Best for established maid service champions with a big client base and higher stakes. Time to bring out the big guns! Example: A bustling operation with a crew of experts handling properties and complex jobs like a boss.

  • General Liability: $1,000,000 per incident / $2,000,000 per year.
  • Tools and Equipment Insurance: $5,000 per incident / $10,000 per policy year (+$5.00/month).

 

Note: Our coverage is available for businesses with payroll under $200K and annual revenue under $1.5M.

Janitorial Bonds

A maid bond provides an additional layer of protection for your clients, ensuring that they are compensated in case of theft or damage caused by your employees. Bonding is sometimes required for commercial or government maid contracts.

You have the option to:

  • Include: Adding a bond can enhance your business’s credibility and provide peace of mind to your clients, or if your contract requires it.
  • Opt out: If you have a strong reputation and trust with your clients, you might decide not to include a bond.

Coverage Limits for Maid Insurance

Maximum Cleaning Liability Insurance Limits

The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$2,000,000

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.

$2,000,000

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$1,000,000

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person’s right of privacy
  • The use of another’s advertising idea in your advertisement

$1,000,000

Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$100,000

A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.

$5,000

Optional Coverage Options

Tools & Equipment Coverage

Limits / Occurrence / Aggregate

Premium 

Deductible

$1,000/$3,000

$40

$500

$2,000/$6,000

$55

$5,000/$10,000

$60

Have questions?

Our licensed agents are available to answer any questions you may have (se habla español)

Why Insurance Canopy Has the Best Maid Insurance

When it comes to safeguarding your maid services, there’s no room for compromise. That’s why maids across the country choose Insurance Canopy for peace of mind and reliable protection.

Insurance You Can Rely On

Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏

Simplified Coverage

Comprehensive, personalized insurance for your business – only pay for what you need

Expert Support

Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!

Hear What Our Real Clients Have To Say

  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024

    Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024

    This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024

    Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024

    Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024

    Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024

    Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • She is positive and friendly !

    Alan Dynin Avatar Alan Dynin
    September 14, 2024

    Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

    Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024
  • Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 2024

    Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

    Rich Bonifazio Avatar Rich Bonifazio
    July 12, 2024

    I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

    Angela Fischetti Avatar Angela Fischetti
    July 12, 2024
  • Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!

    Jamilyn Boze Avatar Jamilyn Boze
    July 5, 2024

    Always done very well for us. Highly recommended.

    Kenny Casanova Avatar Kenny Casanova
    July 5, 2024

    Nothing but positive things to say. Great company, have used them for years.

    Brandon Kennedy Avatar Brandon Kennedy
    July 5, 2024
  • I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More

    susanf Avatar susanf
    July 5, 2024

    quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael”
    April 8, 2024

    Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024

    I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024

    It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024

    Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024

    I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

    Aaron Copenhaguen Avatar Aaron Copenhaguen
    March 26, 2024

    The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024
  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024
  • Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024
  • This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024
  • Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024
  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024
  • Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024
  • Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

Got Questions? We’re on it.

image of a male on a call in front of a computer

Our team is always ready to help answer your questions. Smile included.

Want to talk to a real person? We do that too.

Monday to Friday, 8 am – 8 pm EST

se habla español

Clean with Confidence – We’ve Got the Coverage.

Related Articles

Exclusions

  • Exterior work over three stories (We’re afraid of heights!)
  • Subcontractor Issues: Accounts with subcontractor exposure that do not have the following risk transfer controls in place (excluded through Contractors Limitation):
    • Contracts in place with hold harmless and indemnification language in favor of the insured
    • Insured obtains Certificates of Insurance verifying that the subcontractor has liability limits equal to or greater than the insured
    •  Insured has Additional Insured status on the subcontractor’s insurance policy
  • Tainted Drywall, Flooring and Similar Products
  • Condominium, Townhouse or Tract Home Construction Projects
  • Exterior Insulation and Finish Systems
  • Subsidence of Land
  • New York Construction or Contracting
  • Metal Gas, Fume and Metal By-Product
  • Unmanned Aircraft
  • Damage to Work Performed by Subs
  • Operations or work involving scaffolding
  • Insurance claim response, water removal/extraction, mold remediation, fire, smoke, flood, or other disaster services
  • Operations involving construction debris removal