FAQ_category: (HIDDEN) Industry FAQs

In most states, there’s no legal requirement for liability insurance if you work independently, but many homeowners will only hire insured cleaners. If you have employees, workers’ compensation is typically required by law. 

Insurance isn’t just about meeting a requirement — it can be the deciding factor in whether you land a recurring cleaning contract. 

Yes! When you carry the right coverage: 

• Tool theft – Covered under commercial property insurance if your supplies or equipment are stolen from a job site or storage location. 

• Accidental damage – Covered by general liability if you break, stain, or scratch something while cleaning. 

Including these protections not only shields your business financially but also reassures homeowners that you take their trust seriously. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Working inside a client’s home means your business is trusted with both their property and personal space. The most common coverages for home cleaning businesses include: 

• General Liability – Helps protect against claims if you accidentally damage furniture, flooring, or other household items. 

• Workers’ Compensation – Covers employee injuries such as slips on wet floors or strains from lifting heavy objects. 

• Employee Dishonesty Coverage – Can help if a client alleges theft of valuables or money. 

• Commercial Property Insurance – Protects your cleaning equipment and supplies from fire, theft, or damage, even if stored at home. 

• Commercial Auto Insurance – Covers accidents or damage involving vehicles you use to transport staff, supplies, or equipment to client homes. 

In most states, general liability insurance is not legally required, but many clients and commercial contracts will not hire a cleaning business without proof of it. It’s considered essential for protecting your business from lawsuits and for meeting client expectations. 

Carrying liability insurance shows professionalism and ensures you’re prepared for unexpected incidents.