Haris Ashley
Housekeeping insurance is an important consideration for both those hiring a housekeeper and those working as a housekeeper. For those hiring, it is recommended to check with your insurance company to ensure you are covered in case of accidents. Most household contents insurance policies include coverage for domestic workers, but it is important to check the limitations of liability. For those working as a housekeeper, it is important to have insurance to show trustworthiness and provide peace of mind in case of accidents. General liability insurance can cover the cost of legal claims for personal injury, property damage, and personal and advertising injury to third parties. Other types of insurance to consider include workers' compensation insurance, cyber insurance, and umbrella insurance. The cost of housekeeping insurance depends on factors such as zip code, coverage limit, team size, and length of coverage.
| Characteristics | Values |
|---|---|
| Purpose | Show trustworthiness and clean backgrounds |
| General Liability Insurance | Covers accidents, property damage, bodily injury, personal injury (slander or libel), and legal fees |
| Workers' Compensation Insurance | Required by law in most states, gives benefits to employees to recover from work-related injuries or illnesses |
| Tools and Equipment Insurance | Replaces equipment if it's stolen or lost |
| Cyber Insurance | Protects against cyber risks |
| Business Income Insurance | Replaces lost income due to covered property damage |
| Commercial Auto Insurance | Protects against risks on the road |
| Umbrella Insurance | Increases coverage limits of certain liability policies |
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What You'll Learn
General liability insurance
House cleaners and housekeepers face various risks while performing their duties, from accidental property damage to injuries sustained by clients. Without proper insurance coverage, these risks can result in significant financial losses and legal liabilities.
Additionally, general liability insurance can provide peace of mind to both the housekeeper and the client. It demonstrates trustworthiness and showcases the business's dedication to ethical practices.
The cost of general liability insurance for housekeepers depends on factors such as the type of work performed, claims history, coverage location, and past or current policies. It is important to check local regulations and requirements, as some states or municipalities may mandate specific insurance requirements for cleaning services.
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Workers' compensation insurance
Housekeepers and their employers should consider taking out workers' compensation insurance. This type of insurance covers medical costs and lost wages for work-related injuries and illnesses. It is required by law in most states for businesses that have employees, and failure to secure workers' compensation insurance could result in hefty fines.
Additionally, workers' compensation insurance can provide legal protection for employers. When an employee accepts benefits through workers' compensation insurance, they generally forfeit their right to sue the employer, regardless of fault. This can help to protect employers from costly lawsuits and legal fees.
The cost of workers' compensation insurance for cleaning businesses averages $136 per month or $1,627 per year. The premium is determined by factors such as the type of work done by employees, claims history, and payroll. It is important to note that workers' compensation insurance does not cover every risk, and additional insurance policies such as general liability insurance may be necessary to provide comprehensive protection.
In summary, workers' compensation insurance is a crucial form of protection for both housekeepers and their employers. It provides financial and legal support in the event of work-related injuries or illnesses, helping to ensure that employees receive the care they need and that employers are not burdened with unexpected costs or lawsuits.
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Public liability insurance
The cost of public liability insurance for housekeepers can vary depending on several factors, including the zip code, coverage limit, team size, and length of coverage. Some providers, such as Thimble, offer flexible coverage options that can be purchased by the hour, day, or month. This allows housekeepers to customise their insurance based on their specific needs and budget.
In addition to public liability insurance, there are other types of insurance that housekeepers may want to consider. These include workers' compensation insurance (if they employ anyone) and cyber insurance, as they often handle sensitive information while working in clients' homes. Equipment insurance is also important for housekeepers who use their own cleaning equipment, as it covers the cost of replacing or repairing stolen, lost, or damaged items.
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Umbrella insurance
While I could not find information on umbrella insurance specific to the housekeeping profession, I did find details on umbrella insurance in general.
The cost of umbrella insurance typically starts at around $200 per year for $1 million in coverage, with policies ranging from $1 million to $10 million in liability coverage. This extra layer of protection helps safeguard your personal assets and savings in the event of a covered loss. For example, if you run a red light and get into an accident, your umbrella policy can help cover the costs of repairs, injuries, and any lawsuits that may arise.
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Business owner's policy
A business owners policy (BOP) is a type of insurance that offers extra coverage to protect a company's physical investments. While general liability insurance is a necessity for any cleaning company, a BOP can be seen as an additional layer of protection.
General liability insurance covers accidents that result in bodily injury or property damage to a third party, such as a client. For example, if a client slips and falls on a freshly mopped floor, general liability insurance would cover the costs of any medical bills, repairs, or replacements. It also covers damage to third-party property in your care, such as an expensive rug you are cleaning. Additionally, it provides investigation and legal defence for these types of claims, even if you are ultimately not found to be at fault.
A BOP typically includes this general liability coverage and goes a step further. As a housekeeping company, you will likely spend a significant amount of money on equipment such as vacuums, machinery, cleaning supplies, and protective gear. A BOP helps protect these physical investments. For instance, if your expensive equipment is stolen or lost, a BOP can cover the cost of replacement, ensuring you don't have to delay or cancel jobs.
The cost of a BOP can vary depending on factors such as your location, the size of your team, and the length of coverage. It is important to note that you will still need separate insurance policies for business vehicles and employees. Workers' compensation insurance, for example, is mandatory and protects both you and your employees in the event of injury, illness, or accident during work.
Overall, a business owners policy is a valuable addition to general liability insurance for a housekeeping company, providing extra protection for your physical assets and investments.
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Frequently asked questions
Housekeeping insurance can cover the costs of legal fees, property damage, bodily injury, and personal injury claims. It also demonstrates trustworthiness and provides peace of mind for both you and your clients.
You will likely need general liability insurance, which covers accidents that cause bodily injury or property damage to a third party, such as a client. Depending on your business, you may also want to consider workers' compensation insurance, cyber insurance, commercial auto insurance, and umbrella insurance.
Without insurance, you may have to pay out of pocket for any damages or injuries that occur during your work. Additionally, some clients may require proof of insurance before hiring you, and you may be liable for reimbursement in the event of theft.
The cost of insurance depends on factors such as your location, coverage limit, team size, and length of coverage. The specific cleaning services you offer and the types of insurance you require will also impact the cost.
