House Cleaning and Housekeeping Insurance: Why You Might Need It
There is nothing quite as comforting as having a clean and sanitary environment, and house cleaning services can offer this comfort to their clients. But can you rest easy when it comes to your cleaning operations?
To have a successful housecleaning business, it can be wise to protect your business with insurance coverage. Housekeeping typically comes with unique challenges, from accidental property damage to employee injuries. That’s why housekeeping insurance can be useful to business owners.
Having coverage in place not only helps protect your livelihood but it can also help with your business’ credibility. Let’s take a closer look at your cleaning business insurance options and what you may need to access coverage.
Understanding Housekeeping Insurance
House cleaning and housekeeping businesses can be exposed to risks that can affect their work and finances—and having the appropriate insurance can be helpful.
For instance, a housekeeper might accidentally break an expensive piece of furniture. It can help to have some coverage in your back pocket for these moments! Plus, employees working in various environments may face the risk of slips, trips, falls, or exposure to harmful substances. You can help protect them and your small business in these situations.
Insurance can act as a safety net, helping to provide financial protection against these unforeseen events. It can help businesses handle claims that arise, assisting with legal fees, repair or replacement costs, and medical expenses. This way, house cleaning and housekeeping experts may be able to do their work with more confidence and less worry.
What Types of Housekeeping Insurance Should You Consider?
PolicySweet® provides a range of insurance products tailored to help meet the specific needs of house-cleaning businesses. These policies are designed for small businesses that are looking for coverages to help protect their business. Here’s how they break down.
Business Owners Policy (BOP)
The BOP combines several key coverages into one convenient package, providing a range of protection for your business.
- General Liability Insurance: This type of coverage can cover third-party claims of bodily injury or property damage that may occur during your services. For example, let’s say a housekeeper accidentally spills a cleaning solution that damages a client's expensive rug. General liability insurance may help cover the repair or replacement costs, as well as potential legal fees if a client decides to file a claim.
- Property Insurance: This coverage can protect the equipment, tools, and supplies that may be essential to your operations. This insurance can cover repair or replacement costs if your business property is damaged, lost, or stolen. For instance, if your cleaning equipment is stolen from your business location, property insurance can help cover the costs of replacing the stolen items.
- Cyber Insurance: Your company may face potential threats from data breaches and cyber-attacks, which is where cyber insurance can come in. This coverage helps you manage the financial and operational consequences of cyber incidents so that your business can recover. If your business's client data is compromised in a cyber-attack, cyber insurance can help cover the costs associated with investigating the breach and notifying affected clients.
Workers’ Compensation
This coverage can be important for businesses with employees—it can cover medical expenses and lost wages for workers who suffer job-related injuries or illnesses. For example, if an employee slips on a wet floor while cleaning and sustains an injury, Workers’ Compensation may cover their medical expenses and a portion of their lost wages during recovery. It can provide care and support for your employees while helping to protect your business from potential lawsuits.
Highlights of Having Housekeeping Insurance
Housekeeping insurance can offer several key features that help support your business. Here are the highlights:
Financial Protection
As we’ve discussed, insurance can cover costs associated with third-party claims, such as client injuries or property damage. This protection can help prevent significant out-of-pocket expenses that could otherwise harm your business financially. Whether it’s an expensive lawsuit or replacing costly equipment, you can be more financially secure with insurance.
Rest Easy
Insurance can allow you to focus on providing quality services without constantly worrying about potential financial setbacks. This confidence in your services may even increase trust and credibility with clients—they know you might be better prepared to handle certain issues that may arise.
Insurance can demonstrate your commitment to providing reliable and responsible services, too. Clients might prefer a business that takes proactive steps to help protect their operations and commercial property, which can lead to more business opportunities.
These features can make a big difference for some cleaning companies, especially when it comes to stability and security in your small business operations.
How Much Does House Cleaning Insurance Cost with PolicySweet?
The cost of housecleaning insurance can vary based on several factors specific to your business. The size of your business, the number of employees, the types of coverage you need, and the level of risk associated with your operations can play a role.
One of the best ways to get an accurate estimate is to get a quote—PolicySweet can get you started on the right foot to help you understand the cost of housekeeping insurance. With our BOP and Workers’ Compensation coverage, we can help you protect the work you’ve put into your business. Get a quote today!