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Much like nannies and cleaning businesses, maids and house cleaners require proper business insurance as well for both compliance purposes and first and foremost to protect themselves from risks like sleep and falls, cuts or other physical risks that come with their daily work.
House Cleaners and Domestic Helpers: Risk Exposures
When it comes to any industry, insurance providers base their pricing around risk exposure. Essentially, this outlines the risks involved with the business and the likelihood of certain claims being made. The most common risk exposures include:
- Premises Liability: There are a number of hazards around the house from cleaning chemicals, sharp tools/cutlery, the potential to slip and fall, and more. There is also the potential that the maid could cause property damage within the house.
- Crime/Theft: Unfortunately, some domestic helpers may steal from you, bring illegal items into your home, or commit a crime on your property.
Maid Insurance Coverage Employers Need To Purchase
It’s good to provide house cleaning insurance for your maid. After all, it’s your responsibility if something happens to her while working. Notwithstanding this, giving insurance to your maid is the right thing to do.
Personal Accident Insurance
Personal accident insurance will cover the medical expenses of your maid if she sustains injuries due to work.
Health Insurance
Health insurance for a cleaning lady will cover the medical expenses of your maid regardless if she becomes injured because of work or not. This insurance sees to it that your maid receives medical attention without you getting financially involved.
Domestic Helper Insurance Coverage
Domestic helper insurance is a tailored coverage for domestic helpers. This isn’t one stand-alone policy but is actually comprised of numerous insurance applicable to domestic helpers such as:
- Personal accident insurance
- Health insurance
- Personal liability insurance
- Personal belongings cover
Note that domestic helper insurance isn’t a common insurance product in the USA. The insurance policy is only popular in countries where employers are required by law to cover their domestic helpers with specific insurance policies. One good example is Hong Kong.
Domestic Helper Insurance Comparison
The average domestic helper insurance coverage cost is $70 per month or $838 per year for a $1 million general liability coverage. Your policy may be slightly cheaper or more expensive, depending on your state and other risk factors.
The best way to get affordable insurance is to shop around and compare maid insurance quotes from different providers.
Maid Service Insurance Coverage
Maid service insurance is a collective term for numerous kinds of business insurance policies for maids. If you’re a maid and your employer doesn’t provide insurance, then you can turn to the following maid insurance coverage for protection:
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Maid Liability Insurance
Maid liability insurance will protect you from claims filed by your employer or any other third party. This can be classified as a professional liability insurance or general liability insurance policy.
General Liability Insurance
General liability insurance is your first line of defense against third party claims. The language of general liability insurance includes the following perils:
- Personal injuries- If your employer demands compensation, general liability will provide the money you can use to cover or reimburse the kid’s medical expenses
- Legal expenses-Should things get ugly and things are taken to court, general liability insurance will cover attorney fees, administrative costs, settlements, and other legal expenses you need for wrapping up a personal injury or property damage claim
Note that this type of maids insurance can be made more comprehensive. For example, if you add advertising injury coverage to it, then general liability insurance will provide protection if the employer or any other third party sues you for slander, libel, and other related offenses.
Professional Liability Insurance
You will commit mistakes while working. Think of a situation where you use the wrong cleaning agent on your employer’s special clothing. Because of this, the employer can sue you for negligence and ask for compensation for his or her economic or financial losses.
professional liability insurance will cover attorney fees, settlements, administrative costs, and other legal expenses. Note that professional liability insurance isn’t for maids only. Also, its coverage doesn’t only apply to negligence. This also provides protection against other perils such as:
- Breach of confidentiality
- Misrepresentation
- Violation of good faith
- Violation of fair dealing
Maid Tools and Equipment Insurance
Tools and equipment insurance is useful if you’re a maid who uses personal cleaning equipment. If your personal cleaning equipment becomes lost or damaged due to fire, theft, vandalism, and other covered perils, tools and equipment insurance will recoup losses so that you can get new ones.
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Workers Compensation Insurance
Housekeeping is a risky job. Your workers can slip, fall from a height, get cut, sustain burns, or contract a disease. The job of workers’ compensation insurance is to cover the following expenses when an employee sustains a work-related injury or disease:
- Medical treatment/procedure
- Hospitalization
- Medication-
- Rehabilitation
- Lost income compensation
Insurance for Self Employed House Cleaners
If you’re a self-employed house cleaner , you will likely need professional and general liability insurance for self employed house cleaners. As you don’t have any employees, your costs will typically be lower than a full-scale house cleaning company.
House Cleaning Insurance for One Day
House cleaning insurance for one day is an on-demand general liability insurance policy that lasts for 1 hour, 3 hours, 6 hours, 12 hours, or 24 hours. This is useful for part-time self-employed house cleaners.
Most one day house cleaning insurance has a CCC exclusion. However, companies like Thimble don’t implement this and allow their house cleaning insurance for a day to provide full coverage.
How Much Does House Cleaning Insurance Cost?
On average, house cleaning liability insurance cost for self-employed maids or small maid companies is around $37 per month (or $444 per year) for a $1 million general liability coverage. As you can see, this is relatively affordable!
Hourly House Cleaning Insurance Cost
House cleaners or housekeepers can get hourly coverage. The average insurance cost for house cleaning business is $1.52 to $3 per one hour general liability coverage. That said, if you want to get covered for 12 hours, then hourly house cleaning insurance cost will be $18.24 or $36.
Keep in mind that these estimates are just a rough average of what to expect. The amount you’ll pay in premiums may vary, depending on a number of factors, such as:
- How many maids you employ.
- Whether you’ve made claims previously.
- Your personal credit score and history.
- The risk involved with your particular property.
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Best Maid Insurance Companies
CoverWallet
CoverWallet sells house cleaning and maid insurance that’s made out of the policies of its partners. If you’re seeking the cheapest maid insurance coverage, their basic plan is a great option for independent house cleaners or maids.
We recommend getting the pro plan because it gives you general liability, commercial property, and workers compensation insurance policies. But if you’re an independent house cleaner or maid, go for the basic plan.
Average cost: $29 per month.
Rating: 5/5
Pros
- Four coverage options to choose from.
- Get a certificate of insurance for free.
- A partner of reputable carriers.
Cons
- Not an insurance company but a broker.
Chubb
Chubb provides a basic domestic helper insurance coverage as well as a more comprehensive foreign workers hospitalization and surgical insurance. Overall, they have one of the best FDW insurance package on the market.
Average cost: $29 per month.
Rating: 3.8/5
Pros
- Basic domestic helper insurance coverage with the option to add surgical and hospitalization insurance for foreign workers.
- Insurance available worldwide.
Cons
- Chubb doesn’t specialize in maid service, so they don’t have as many add-ons.
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Thimble
Thimble provides short-term and long-term house cleaning insurance. Policies you can avail are general liability, professional liability, commercial property, and workers compensation insurance.
Average cost: $34.84 per month.
Rating: 4.5/5
Pros
- ACORD 25 certificate of insurance.
- Low deductibles.
- Pause or cancel a short-term coverage anytime.
Cons
- Has a lot of exclusions in its general liability insurance.
NEXT
NEXT house cleaning and maid service insurance provides you with general liability insurance, workers compensation insurance, and commercial property insurance. Similar to CoverWallet and Thimble, this company provides a quote within minutes.
Pros
- Live certificate of insurance.
- Bundle policies and get a discount.
Cons
- Poor customer reviews on BBB.
Average cost: $37.84 per month.
Rating: 4/5
Liberty Maid Insurance
If you’re looking for a simple and easy way to purchase maid insurance online, then you can’t go wrong with Liberty’s maid insurance plan.They’ve received excellent reviews for quick claims handling and also provide immediate verification of insurance so you and your maid don’t have to wait long.
Average cost: $25 per month.
Rating: 4.5/5
Pros
- Let customers build their own policy.
- Immediate proof of insurance.
- Available worldwide.
Cons
- Liberty has a high number of customer service complaints.
