Insuranks
Insuranks

Maid Insurance, House Cleaning Insurance and Bonding

In partnership with:

Identity logo

In partnership with:

Coverwallet logo

icon Your information is secure with us and solely used to connect you to relevant insurance offers, companies and services.

Before we begin, let’s clarify one thing. The maid insurance type (and which party needs to purchase it) varies depending on the relationship between the homeowner and the maid. Here’s a simple breakdown:

  • If you’re a homeowner who employs a maid directly (i.e., you’re writing them paychecks and withholding taxes), then you’ll be responsible for insuring your worker with home cleaning insurance that includes a workers’ compensation insurance policy or a comprehensive maid insurance policy. 

  • If you’re a maid who owns a registered business (i.e., self-employed sole proprietor or own a janitorial LLC), then you will be responsible for purchasing your own small cleaning business insurance. 

Below, we’ll explain exactly why you may need maid insurance, house cleaning insurance and bonding, and common types of maid insurance coverage. Finally, we’ll show you the average maid insurance policy cost and give you our Insuranks review of some of the top domestic employee insurance companies on the market and help you get maid insurance online. It’s time to clean up the loose ends and get your maid the insurance they need! 

Cheap Business Insurance Near Me

House Cleaning Insurance and Bonding: The Basics

If you employ a maid directly, then this means that your maid doesn’t own their own business or work for a larger company. Instead, they report directly to you, and as such, you are legally recognized as their employer. 

Many states require the employers of a domestic worker to purchase some form of domestic maid insurance. This is due to the wide variety of insurance claims that can arise from your maid or domestic employee. The more responsibilities they have, the higher likelihood that a claim could be brought against you as the employer. 

We’ll also discuss how self-employed maids or small house cleaning companies should secure liability insurance for their businesses. As a self-employed maid, you’re essentially a subcontractor working for the homeowner and need to insure your business the same as if you were a handyman service working for a homeowner. 

If it’s your first time hiring a maid (as a homeowner) or you own your own small maid business and you’re trying to figure out what type of insurance you need to cover your liabilities, then you’ve come to the right place! 

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. As far as insurance for cleaners in your home, maids and domestic help go, 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. 

  • Workers Compensation: If the maid is injured while working on your property (e.g., slip-and-fall accident) or doing a service (e.g., they get into a car accident while picking up your kids from school), you may be required to compensate them for medical bills and/or time missed from work. 

As the maid’s employer, any number of claims could arise. For example, let’s just say that you leave an extension cord out in your yard, and the unsuspecting maid trips and breaks their ankle. Without proper maid insurance coverage, then you could be required to pay thousands in out-of-pocket expenses. 

On the other hand, if you are the maid providing the service and own your own small business, you’ll need to cover your back from claims coming from the homeowner. For example, if you were to break an expensive vase or damage an expensive piece of art, your maid’s liability insurance policy would ensure that you won’t have to pay for the expense out of your own pocket. 

What is Fidelity Bonding? 

As the maid’s employer, it’s also a good idea to have a fidelity bond between you and your domestic employee. Basically, a fidelity bond is a contract between two people designed to keep both parties honest and make sure each upholds their end of the deal. 

Conversely, if you are a self-employed maid or own your own cleaning company, then a fidelity bond can ensure that you’re always paid fairly and that you don’t get taken advantage of. 

Unlike a regular legal contract, though, a fidelity bond ensures that if one party breaks their end of the deal, the victimized party will be financially compensated. The compensation is typically provided by the insurance company or a third-party banking institution.

For example, a common fidelity bond between a homeowner and a domestic maid may outline some of the following assurances:

  • Which rooms the maid is supposed to clean, and what cleaning materials/tools should be used each time. 

  • Which rooms the maid is not supposed to enter or clean. 

  • How many days per week and hours per day the maid will work.

  • How far in advance the maid needs to request a day off. 

  • Assurance of the amount the employer will pay for the maid’s service and what day of the week payment will be sent. 

So, for example, if your maid fails to clean the rooms properly, then they’re breaking their end of the contract and may be held liable for their failure. Conversely, if you fail to pay your maid on time or short them on their paycheck, then you can be held responsible for breaking your end of the fidelity bond. 

Compare Maid Insurance & House Cleaning Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

In partnership with:

Identity logo

In partnership with:

Coverwallet logo

maid and house cleaning insurance

Maid Insurance Coverage Types

So, now that you know a little bit more about how maid insurance works and why you need it, you’re probably wondering what types of coverage you’ll need for your domestic employee. These are the most common coverage policies that employers may need to purchase for their maid: 

  • Workers’ Compensation Insurance for maids (typically paid for by homeowners): Provides financial and medical support if your maid is injured on the job, dies, or gets ill due to an unsafe working environment. 

  • Maid Liability Insurance (typically paid for by the maid/cleaning company): Provides coverage if you accidentally damage the homeowner’s personal property. It may also cover you against other claims such as bodily injury or theft. 

Now, let’s take a look at some of the different types of maid service insurance and domestic helper setups and what type of coverage they each need. 

Domestic Helper Insurance

If you employ a domestic helper or maid in your home, then you’ll need to have a domestic helper insurance policy. Unless the maid works for a larger cleaning company, then you are officially their employer and need to provide them the same insurance coverage as you would provide employees of any other legitimate business. 

The most common form of domestic helper insurance is workers’ comp coverage. As we mentioned, this covers any medical or personal damage claims that could arise from your helper, so you don’t have to pay out of pocket. Some insurers may also provide liability insurance to protect you against claims of theft, poor workplace safety, allergic reactions, or other incidents.  

Foreign Domestic Worker Insurance

Foreign maid insurance provides coverage for a domestic helper who’s from another country. Generally speaking, it’s the same as regular domestic helper insurance (see above). However, the pricing and paperwork may be a bit more involved as your employee is not a full citizen. 

Domestic Helper Insurance Comparison

The average domestic helper insurance cost is $70 per month or $838 per year for a workers’ compensation policy. The domestic helper insurance comparison table below displays some of the average monthly and annual rates that you can expect to pay. Keep in mind that these are just averages. Your policy may be slightly cheaper or more expensive, depending on your state and other risk factors. 

Insurance ProviderAverage Monthly PremiumAverage Annual Premium
State Farm$64$768
AXA$76$905
Chubb$66$786
Liberty Mutual$71$848

The best way to get affordable insurance is to shop around and compare maid insurance quotes from different providers. To compare insurance rates for domestic helpers and workers’ compensation for maids, click ‘Get Quotes’ below and get started! 


Maid Service Insurance or Janitorial

Maid service insurance is designed for cleaners who own their own cleaning business. It's sometimes referred to as janitorial insurance which may include general liability insurance, workers’ comp, commercial auto insurance, and professional liability insurance. If you own a cleaning business and need to purchase insurance, then check out our articles on janitorial insurance and cleaning business insurance.


Insurance for Self-Employed House Cleaners

If you’re a self-employed house cleaner (i.e., a sole proprietor with no employees), then you will likely need a professional and general liability insurance policy. As you don’t have any employees, your costs will typically be lower than a full-scale maid service company. 

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). As you can see, this is relatively affordable! 

Cheapest Maid Insurance: Comparison

In this section, we’ll review specialized maid insurance policies. These policies are designed specifically for homeowners who directly employ a maid in their service. Above we compared and took a look at some basic workers’ comp policies. While these are effective and cover the minimum legal insurance requirements, most employers prefer to purchase a specialty maid insurance policy.

These policies are comprehensive in their nature and designed to cover a wide range of incidents and scenarios that could happen while your maid or domestic helper is working for you. Here are the average prices charged by the top maid insurance providers on the market. 

Insurance ProviderAverage Monthly PremiumAverage Annual PremiumBest For:Insuranks Rating
Sompo$26$311Affordable, basic maid insurance.3.8/5
AXA$28.50$342Insuring a maid with citizenship in another country.4.5/5
AIA$27.50$329Comprehensive maid and domestic helper coverage.4/5
Income $33$397Insuring a full-time maid. 5/5
Liberty$25$300Insuring part-time domestic workers. 4.5/5
Chubb$29$347Insuring domestic help who take on wider responsibilities. 3.8/5
HLAS$35$413Employers who want extra coverage for domestic helpers with COVID-19 or infectious disease.4.5/5
EQ Insurance$32$382High accident claim payout. 4/5 

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. 

Overall, the best way to get affordable and cheap maid insurance is to compare quotes from different insurance providers. The insurance market is highly competitive, which means that providers are always looking to undermine their competitors and offer great rates. 

To get customized maid insurance online quotes right now, simply click ‘Get Quotes’ and use our house cleaning and maid insurance quote generator. It’ll connect you directly with the top maid insurance companies so that you can see exactly what coverage you get and how much you’ll pay with each insurer, purchase and manage your policy online through our partners!

Compare Maid Insurance & House Cleaning Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

In partnership with:

Identity logo

In partnership with:

Coverwallet logo

Best Maid Insurance and Domestic Helper Insurance Companies

As you can see, the overall cost of insurance for cleaners in your home won’t set you back too much. If you employ a maid or domestic help, then purchasing maid insurance is one of the best investments that you can make. A small monthly premium can result in you saving thousands or even tens of thousands of dollars in future incident claims. In many states and countries, it’s also the law. 

To complement the table above, we figured that we would give you a quick review of each of the major insurers we listed. Hopefully, this will help you make a more informed decision about which provider is best for you and your household’s help. 

Sompo Maid Insurance

Sompo is based out of Singapore and has been providing a number of personal and commercial insurance policies that include everything from customized maid insurance to commercial auto. Today, Sompo works with policyholders worldwide and has developed an excellent reputation for its MaidEase insurance policy. They offer a single, comprehensive maid insurance policy that includes personal injury and accident liability, domestic helper liability (which protects you if the maid is negligent and you’re injured), and also repatriation expenses (if the worker needs to return to their home country for an emergency). 

Pros:

  • Comprehensive maid insurance coverage that includes all of the basics. 

  • Single, affordable policy. 

  • Provides employer protection from maid negligence.

Cons:

  • There’s only one policy available. No options or tiers. 

Best For: Affordable, basic maid insurance.

Average Cost: $26 per month. 

Rating: 3.8/5

AXA Maid Insurance

AXA is a multinational insurance provider based out of the United Kingdom. They specialize in providing high-quality comprehensive commercial and personal insurance policies. They have built a considerable reputation worldwide for their maid insurance policy. 

They offer three tiers of maid insurance: Standard, Compre-Plus, and Ultimate Plus. Each one offers benefits and coverage beyond the minimum requirements of the UK Ministry of Manpower. 

Pros:

  • Three policy tiers are available. 

  • All of the policies meet the minimum requirements outlined by the Ministry of Manpower. 

  • Add ons available, such as: dental care, psychiatric care, and more. 

Cons:

  • The main office is based in the UK, which may cause the claims process to last longer (if you live in another country). 

Best For: Insuring a maid with citizenship in another country. 

Average Cost: $28.50 per month.

Rating: 4.5/5

AIA Maid Insurance

AIA is another insurance provider that’s based in Singapore. Like Sompo, they provide a wide range of policies and offer a special insurance policy designed for domestic helpers. Whether your domestic help focuses solely on cleaning work or they help out with other tasks (like cooking or childcare), AIA provides comprehensive coverage personalized to your needs. 

Pros:

  • Add ons available should you wish to provide your maid with extra benefits. 

  • You can insure any maids between ages 18 and 60. 

  • They will pay for your security bond. 

Cons:

  • The main office is based in Singapore, which means you may have longer call waiting times. 

Best For: Comprehensive maid and domestic helper coverage.

Average Cost: $27.50 per month. 

Rating: 4/5

Income Maid Insurance

NTUC Income is one of Singapore’s leading insurance agencies. They have built their business on providing composite levels of insurance for both individuals and small businesses alike. Their domestic helper insurance policy will cover all Ministry of Manpower requirements and then some. Whether you’re just signing up or you need maid insurance renewal, you’ll find that Income’s online platform easy and simple to use. They also have a great reputation for handling claims quickly and efficiently. 

Pros:

  • Easy-to-use online platform. 

  • Meets all Ministry of Manpower requirements. 

  • Excellent reviews on customer service and handling of claims. 

Cons:

  • Income only provides insurance to companies and individuals within Singapore. 

Best For: Insuring a full-time maid in Singapore. 

Average Cost: $33 per month. 

Rating: 5/5

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. Dubbed “MaidCare” by the company, their singular policy covers all of the Ministry of Manpower requirements but also lets you add extras to your policy should you choose. 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. 

Pros:

  • Meets all Ministry of Manpower requirements. 

  • Let’s customers build their own policy if you want add-ons. 

  • Immediate proof of insurance. 

  • Available worldwide. 

Cons:

  • Liberty has a high number of customer service complaints. 

Best For: Insuring part-time domestic or foreign workers. 

Average Cost: $25 per month. 

Rating: 4.5/5

Chubb Maid Insurance

Chubb is one of the newest insurance companies on the market, but they’ve built a superb reputation for providing low-cost business insurance and have some of the highest customer satisfaction ratings on the market. They provide a basic domestic helpers insurance policy as well as a more comprehensive foreign workers hospitalization and surgical insurance. Overall, they have one of the best FDW insurance packages on the market. 

Pros:

  • Basic domestic helpers insurance policy 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. 

Best For: Insuring domestic help who take on wider responsibilities.

Average Cost: $29 per month. 

Rating: 3.8/5

HLAS Maid Insurance

HLAS is short for the Hong Leung Assurance company. The Hong Leung Group is a large financial broker that operates throughout China, Singapore, Malaysia, and also North America. In addition to brokering financial arrangements, they also provide insurance through HL Assurance. Their maid insurance is one of their most widely-purchased policies throughout Asia and is growing in America. They’ve made news for providing COVID-19 specific coverage for domestic helpers. 

Pros:

  • Operate throughout Asia and North America. 

  • Provide special coverage for COVID-19 in domestic helpers. 

  • Good customer service. 

Cons:

  • They are known for being a little bit pricey. 

Best For: Employers who want extra coverage for domestic helpers with COVID-19 or infectious disease.

Average Cost: $35 per month. 

Rating: 4.5/5

EQ Maid Insurance

EQ Insurance is a Singapore-based multinational insurance firm. They provide a number of different home and commercial insurance policies, but they do offer specialty maid insurance to cater to the high number of Southeast Asian households who employ household help. They’re known for their easy claims process and providing higher-than-average claim payout. As a multinational firm, they also provide coverage around the globe. 

Pros:

  • Higher-than-average insurance payouts. 

  • Operates worldwide. 

Cons:

  • The company is based out of Singapore, which means it may be harder to get in touch with them if you live in North America or the UK. 

Best For: High accident claim payout.

Average Cost: $32 per month

Rating: 4/5 




Image Source:

Photo by Volha Flaxeco on Unsplash

Recent Reviews

Recent Posts