Residential Cleaning & Maid Service Insurance Coverage Checklist
The coverages a residential cleaning & maid service business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for residential cleaning and maid services. Priorities reflect typical exposure; confirm against how cleaners are hired and get to jobs.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers damage to clients' homes and injuries caused by the work. | Core | |
| Janitorial Bond / Third-Party Crime | Covers theft by cleaners from clients' homes — GL excludes it. | Core | |
| Workers' Compensation | Required in most states for employees. | Core | |
| Hired & Non-Owned Auto | Covers cleaners driving their own cars between homes. | Core | |
| Employment Practices Liability | Covers wage and misclassification claims. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for theft from clients. Cleaners work in homes without anyone present, and theft allegations are the defining claim — but general liability excludes employee theft. A janitorial bond responds, and consistent teams, coded keys, background checks, and a written process for missing-item reports help defend the claims. Cleaners driving their own cars between homes also create auto exposure that hired and non-owned auto coverage addresses.
Send us the checklist and we'll review your residential cleaning & maid service coverage line by line, then market it across multiple carriers that compete for your account.
Related: Residential Cleaning & Maid Service Insurance · Residential Cleaning & Maid Service Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a residential cleaning & maid service business need?
The core coverages for a residential cleaning & maid service business are Commercial General Liability, Janitorial Bond / Third-Party Crime, Workers' Compensation, Hired & Non-Owned Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my residential cleaning & maid service coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.