Whether you’re providing routine house cleanings, deep cleans, or move-in/move-out cleaning services, you put your time and hard work into every job. With house cleaning insurance from Berxi, you can protect your business, your finances, and your equipment — with coverage that fits the way you work in clients’ homes.
Berxi offers general liability insurance for housekeepers, which helps protect house cleaning businesses and professionals from common risks that can arise while working on a client’s property. It covers third-party claims involving:
In addition, you can add optional business personal property coverage to your Berxi general liability insurance policy, which can help cover the costs of repairing or replacing your equipment, tools, and supplies if they’re damaged or lost.
Home cleaning insurance isn’t just essential for protecting your business: many clients, landlords, and property managers require proof of insurance before hiring, making coverage an important part of growing your business.
There are different types of coverage for housekeepers, the most important of which is general liability insurance. Berxi offers general liability insurance for house cleaning businesses and professionals, and you can add optional business personal property coverage to your general liability policy.
General liability insurance covers claims of third-party bodily injury and property damage related to your house cleaning business. It also covers personal and advertising injury, including claims involving libel, slander, and certain copyright infringements in your marketing materials.
Examples include:
These types of claims happen unexpectedly, and the costs can add up quickly. That’s where general liability insurance comes in: it helps cover the cost of medical bills, repairs, attorneys’ fees, and legal settlements and damages.
You can add optional business personal property (BPP) coverage to your Berxi general liability policy to help protect the tools and equipment you use for home cleaning jobs. BPP coverage can help pay to repair or replace your cleaning equipment, supplies, and other business assets if they’re damaged or lost.
Examples include:
If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can add optional workers’ comp coverage to your Berxi general liability policy by speaking with our in-house product specialist team.
If you use a vehicle for business purposes, commercial auto insurance can help cover costs related to accidents, vehicle damage, and certain liability claims. This coverage is especially important if you transport employees, cleaning supplies, and equipment between job sites.
A janitorial bond (also known as a cleaning service bond) is a type of fidelity bond. It protects customers from losses incurred as a result of theft by cleaning service employees. Some clients require house cleaning companies to have janitorial bonds before awarding contracts, making it a valuable way to build trust and credibility.
Professional liability insurance helps protect your house cleaning business if a client claims your services caused them a financial loss. For example, it may help cover legal defense costs if you’re accused of failing to perform services as promised.
Berxi’s general liability insurance for house cleaning businesses starts at $500/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, businesses and professionals who choose house cleaning insurance from Berxi save an average of 15% vs. other insurance companies. The fastest way to find out how much you’ll pay for house cleaning insurance is to get a quote.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15%.
You can visit our website to get a quote, buy a policy, manage your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting home cleaning insurance from Berxi is fast and straightforward:
Step 1: Using our easy online quote process, just answer a few quick questions about your house cleaning work. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
—
Che
“Berxi was recommended to me by a friend at another company. The quoting process was easy, and the price is better than anywhere I’ve found!”
—
Jeremy
“The best service one can ask for, provided without hesitation.”
—
Giselle
Yes, it’s a good idea for solo and independent house cleaners to have general liability insurance. Even if you’re the only person in your business, house cleaning insurance can help protect you from the financial impact of third-party bodily injury, property damage, and other covered claims. Some homeowners, landlords, and property managers may also require proof of insurance before hiring you.
General liability insurance can help cover accidental damage to a client’s property if you’re found responsible for a covered incident. It can help pay to replace the damaged article and can even pay for legal defense and settlement costs if you’re sued. Coverage may vary depending on the circumstances of the damage, so it’s important to review your coverage details carefully.
Generally, no. General liability insurance does not cover accidents involving vehicles. If you drive your personal car for business purposes, such as traveling between cleaning jobs or transporting supplies, you may need a commercial auto insurance policy or other appropriate coverage to help protect you in the event of an accident.
If a client slips and falls on a wet floor while you’re cleaning and you’re found responsible, general liability insurance can help cover their medical expenses. It can also cover your attorneys’ fees and legal damages in the event of a lawsuit. Without insurance, you could be responsible for paying these expenses out of pocket, which can become extremely costly.
Berxi’s general liability insurance covers both commercial and residential cleaning, so you only need one policy for all your cleaning work. Whether you clean private residences, offices, retail spaces, or other commercial properties, your coverage can apply to a variety of work environments.
Save on top-tier coverage in minutes. get a quote
