House Cleaner & Maid Service Insurance
Commercial General Liability built and priced for house cleaners, maids, and housekeepers, in a digital experience you'll love.
Backed by industry leaders
Why do house cleaners and maid services need insurance?
You work inside other people's homes, around their kids, pets, and belongings, with buckets, cords, and wet floors in every room. When someone slips or something gets damaged, Commercial General Liability is the policy that answers.
It can cover the claim and the legal defense, which is why many homeowners, landlords, and booking platforms want your certificate on file before you start.
What does house cleaner insurance cover?
01 / 04What makes Foxquilt's house cleaner insurance different?
Built for every kind of home cleaner
From solo house cleaners to residential maid services and housekeepers, choose the profession that matches your work, and get priced for what you actually do.
Completely digital, start to finish
Quote and buy from your phone, between homes, or after your last clean of the day, on your own or with our team.
Instant policy documents
Policy docs and your COI arrive by email the moment you buy. Proof of insurance when a client asks, no sweat.
Foxquilt's house cleaner insurance is built for…
Don't see your profession? We write Commercial General Liability for over 500 professions.
Answers in, certificate out.
A few questions, no paperwork.
Concise but thorough, we ask what we need to ensure your policy is actually designed to protect what you do. No confusing forms, no waiting on someone to get to it Monday.
A real price you can buy on the spot.
Your quote is priced instantly with the limits your clients, landlords, and platforms ask for. Choose a payment plan that works for you and pay online to put the coverage in force.
Policy docs, straight to your inbox.
Your policy documents and Certificate of Insurance are emailed the moment you buy, so your client has proof of coverage before your first clean.
What other coverages do house cleaners need?
Errors & Omissions
For the advice, coaching, and expertise side of your work: claims of financial loss caused by the guidance or service you provided.
See E&O Coverage →Can cover medical care and lost wages when one of your own employees, like another cleaner you hire, is hurt on the job, like a slip on a wet floor or a back strain lifting a vacuum. Required in most U.S. states the moment you hire your first employee.
Learn More→Can cover the vehicles you drive between clients' homes. Your personal auto policy very likely excludes business use.
Learn More→Can cover a breach of client data (including door and alarm codes), a ransomware lock-out on your booking app, or a payment wired to a fraudster.
Learn More→Can cover your own equipment, like vacuums, steam mops, and the supplies in your vehicle. CGL only covers other people's property, so this is the other half of the pair.
Learn More→It depends on the cleaning you do (regular cleans, deep cleans, or move-in and move-out cleans), your revenue, and where you work. The quote you see online is the real price, not an estimate we revise later.
House cleaning and maid services cover homes and other non-commercial buildings, like houses, condos, and apartment units. Cleaning offices, stores, and other commercial buildings is janitorial work, which has its own page. If you clean commercial spaces too, talk to our team so your policy fits how you actually work.
No. Commercial General Liability can cover injuries and damage to other people's property, not theft. Some clients ask cleaners for a bond, which is a separate product. Our team can assist with this and support you with a bond provider.
Depending on where your business is located and the work that you do, coverage limits available to you range from $1,000,000 to $5,000,000.
Your first COI is emailed the moment your payment clears. After that you can issue a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Usually, yes. A homeowner's policy won't respond to a business claim, and a solo cleaner faces the same slip-and-fall claims a larger crew does. Many clients and booking platforms require it in writing before you begin.
Yes. Pay the annual premium up front, or spread it across monthly installments at checkout. Either way, coverage starts as soon as the first payment is confirmed.
What real small business owners say after choosing Foxquilt.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your house cleaner quote in under ten minutes.
Answer a few questions about your cleaning work and get your certificate straight to your inbox today.