Insurance for Maids
Stay covered for slips, stains, and stolen gear with affordable maid insurance
- Covers Broken Items While Cleaning – Protection if you damage furniture or valuables
- Builds Trust With Homeowners – Show proof of coverage and land more cleaning jobs
- Insures Your Gear – Optional coverage for everyday cleaning equipment
4.8/5 on
Why Do Maids Need Insurance?
Residential cleaning might seem low-risk, but entering clients’ homes involves serious responsibilities. One broken vase or slip on a wet floor could lead to expensive claims — maid service insurance is designed to cover accidents so you don’t have to pay for them out of your own pocket.
If you accidentally damage a client's marble countertop while cleaning
General liability insurance helps pay for repairs or replacement
If a homeowner slips on a wet tile floor right after you finish mopping
General liability insurance can cover medical bills and legal defense
If your staff is accused of theft after a home visit
Janitorial bonds help protect your reputation from employee dishonesty claims
If your cleaning supplies or vacuum are stolen from your vehicle
Tools and equipment coverage can help you replace the gear quickly
How Much Does Maid Insurance Cost?
Maid insurance coverage starts at $39 per month (a small price to pay for big protection!) Our coverage is designed specifically for independent maids and home cleaning companies, so you only pay for what you need.
Want to save more? Choose annual billing to save 12% and lock in coverage for a full year of uninterrupted peace of mind.
“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
Recommended Coverage for Maids
We recommend that maids include several different coverages in their maid insurance policy. Our recommended coverages include:
Included
General Liability Coverage
As a professional maid, you often work in clients’ homes, around valuable belongings, delicate surfaces, and unpredictable pets or family members. General liability insurance is your frontline defense against third-party claims for accidental damage or injury.
General liability insurance is designed to cover:
- Medical expenses if someone trips over your supplies or slips on a wet floor
- Legal costs if a client sues over a damaged antique or scratched surface
- Replacement or repair if you accidentally damage furniture, countertops, or appliances
This coverage is often required to work with high-end clients, cleaning agencies, or when offering recurring services in upscale residences. It shows professionalism and helps you clean with confidence.
Add-Ons
Tools and Equipment Insurance
Maids often bring their own cleaning equipment, like vacuums, steamers, or mops, to jobs. This coverage protects the tools that make your job possible. Tools and equipment insurance helps pay for replacements if your gear is damaged, vandalized, or stolen from a client’s home or your vehicle.
Tools and equipment insurance covers:
- Theft from your car, storage, or a client’s property
- Damage while transporting cleaning supplies
- Equipment repairs after accidental drops or power surges
Note: This does not cover items that disappear mysteriously or without a clear explanation.
Workers Compensation
Housekeeping involves repetitive motion, lifting, climbing stairs, and exposure to cleaning chemicals, all of which carry risks. If you employ anyone (even part-time), workers compensation is essential and often legally required.
Workers comp covers:
- Medical care for job-related injuries (like slips, strains, or chemical burns)
- Partial wage replacement while recovering
- Physical therapy or rehabilitation services
- Legal costs if your business faces an injury-related lawsuit
Note: This coverage doesn’t apply to independent contractors or off-the-clock injuries. Failing to carry workers comp when legally required can result in fines, lawsuits, or even being shut down.
Commercial Auto Insurance
Do you drive to clients’ homes with supplies in your car? If so, your personal auto policy likely doesn’t cover accidents or theft during business use. Commercial auto insurance ensures you’re protected on the road.
Commercial auto insurance covers:
- Collision repairs to your vehicle
- Injury or damage caused to others while driving for work
- Theft or vandalism of cleaning equipment stored in your car
Janitorial Bonds
Homeowners want peace of mind when letting someone into their personal space. A janitorial bond protects your clients in case an employee is accused of stealing something during a visit.
Here’s how it works:
- A client claims theft during or after a service
- The bond provider investigates
- If valid, the client gets compensated
- Your business repays the bond company
Bonding builds trust with clients, especially for recurring jobs. It’s often required when subcontracting for agencies.
Additional Insureds
Some homeowners associations (HOAs) or property managers may require you to be listed on your policy as an additional insured (AI). This means your liability policy protects them if a claim arises from your work on their property.
Why add an AI?
- Required in many residential cleaning contracts
- Helps win larger or luxury home jobs
- Simple and affordable to add ($10 per year, per AI)
Cyber Liability Insurance
Even solo housekeepers can be hit with unexpected digital disasters. Cyber liability insurance gives peace of mind — no tech degree required.
If you accept digital payments, use a booking app, or store client info on your phone or laptop, you could be vulnerable to a data breach or cyberattack.
Cyber insurance can cover:
- Data recovery and security fixes
- Notification and credit monitoring for affected clients
- Ransom demands if you’re hacked
- Legal and settlement costs
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
Coverage Limits for Maid Service 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
$250
$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 Insurance for Maids
Your clients trust you to care for their homes. Trust us to care for your business.
Insurance Canopy offers flexible policies for independent maids and small housekeeping crews, providing affordable cleaning business insurance that keeps you compliant, protects your reputation, and gives you peace of mind.
Covers Broken Items While Cleaning
Protection if you damage furniture or valuables
Builds Trust With Homeowners
Show proof of coverage and land more cleaning jobs
Insures Your Cleaning Gear
Optional coverage for everyday cleaning equipment
135,000+ Small Businesses Trust Insurance Canopy
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Common Questions About Maid Insurance Coverage
What activities aren’t covered by maid service insurance?
Maid service insurance doesn’t cover disaster-related cleanup (such as water, mold, fire, or flood), construction or renovation work, debris removal, exterior cleaning above ground level, and chimney services.
Do I need maid insurance if I work alone?
Yes. Even solo maids face risks like accidental damage, slip-and-fall injuries, or equipment theft. Maid insurance protects you from unexpected costs that could otherwise wipe out your business. Plus, some clients require proof of insurance before hiring.
Is my maid insurance policy effective immediately?
Yes. Once you complete your payment, your coverage starts right away. No waiting periods, so you’re protected from day one.
Can I cancel my maid insurance policy at any time?
Yes, you can cancel your insurance policy anytime through your customer dashboard. However, once your coverage starts, the policy is usually fully earned and non-refundable. Always check your specific policy terms before canceling.
How do I file a maid business claim?
It’s simple. Log in to your Insurance Canopy account and select “File a Claim.” Provide the details, and a claims adjuster will contact you if they need more information. They’ll handle the rest and keep you updated until the claim is resolved.
How do I renew my maid insurance policy?
Your policy renews automatically to avoid any coverage gaps. You’ll get email reminders before renewal, but you can also choose to renew manually.
What happens if I have a maid service claim after I cancel my insurnace?
If you file a maid service claim after canceling your insurance, it won’t be covered unless your policy remains active for a certain period and the incident happened during that time. Insurance only offers protection while your policy is active, so continuous coverage ensures you’re always protected.
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
Maid Insurance Made Simple – Get Your Quote Now!
Related Articles
What Type of Insurance Does a House Cleaner Need?
You take care of people’s homes, but who takes care of your business?
Bonding vs Insurance for Pressure Washing Businesses
Insurance protects your pressure washing business from costly accidents. Bonding protects your clients
Small Cleaning Business Insurance Guide (+ Free Checklist)
Launching your own small cleaning business is a lot of work, but getting