How to Choose the Best Coverage As a Professional House Cleaner

July 4, 2019

Housekeeping is a business. Plain and simple. And anyone who works as a housekeeper, spending their days travelling to and from different locations, knows just how vital landing a repeat client is. So why not do something that will set you apart and help pull in more clients?

If you take your work seriously, you want those you work for to take you seriously as well. That’s why it’s essential to treat your housekeeping operation as a business. Just like any corporation, start-up, or shop, the end goal for your housekeeping business is to make money and make a name for yourself.

When it comes to cleaning, your work speaks for itself, but in instances where issues arise, it’s always best to have a contingency plan. Things break, items get misplaced, and sometimes people aren’t satisfied. It’s an inevitable part of the job. But that doesn’t mean it has to become a part off your paycheque either.

There are various ways to protect yourself as a housekeeper and ensure that even if things don’t go according to plan, you won’t be losing out on the money you worked so hard to make. In this article, we’ll outline the three major types of coverage all housekeepers should consider to add value to your business.


A common form of coverage for your business is a bond. In plain terms, being bonded means that you can guarantee a customer the work will be done or they will be reimbursed. It also protects your company from financial ramifications. To obtain a bond, you would need to pay into a third-party service for protection to help provide this guarantee.

Being bonded essentially means that if the job requirements outlined in your contract are not met, your client can recover their losses. It can also mean that if something occurs while on the job, you’re protected from having to pay out of pocket or lose the pay you’ve earned.

Having a bonded housekeeping business provides a sense of legitimacy and security to potential clients as they are much more likely to work with you if you can back up your services with a guarantee. One thing to understand, though is that there are several different types of bonds, which means you need to understand what kind of bond is best for you and your business.

Below, we’ve outlined the three major types of bonds that are most applicable to house cleaning services and the use cases for acquiring them.

Fidelity Bond

A fidelity bond is a type of insurance that protects your company from financial loss. A use-case example of this would be if you had a team of employees working under you and wanted to ensure protection from embezzlement or stealing. A fidelity bond is especially useful to companies whose employees handle cash, make home visits, or are hired seasonally.

Business Service Bond

A business service bond works similarly to a fidelity bond but protects your customers should employees steal from them. For many clients, this type of bond is ideal, and it gives them peace of mind to know that if you or your employees enter their home, they are protected should anything go missing or end up broken.

Contract Bonds

A contract bond is related to coverage for services provided. This type of bond would be ideal for a housekeeping service that works on high-value contracts with specific requirements, deadlines, or budgets. Contract bonds hold you accountable to the terms of your contract and protect clients from unfair business practices.

Business License

A business license, plain and simple is a government-issued document that proves the validity of your company and its legal right to operate in your country, state, province, territory, or local region.

Having a business license is not always required, but it is a good idea to have. In some cases, governing bodies can fine or even shut down your business for operation without one. To protect yourself, it’s always a good idea to check if your local area requires business licenses for your type of house cleaning company.


Similarly to bonds, purchasing insurance policies helps protect your business from harm. Just like life insurance or car insurance, business insurance is a great failsafe should anything go wrong. By purchasing an insurance policy or two, you can ensure that your company doesn’t run into any issues in either your day-to-day operations or in cases of disaster.

Many different types of insurance can cover your company for all kinds of things, but not all may apply to your housekeeping business. So read on to see the top five types of insurance that are best applicable to housekeepers.

General Liability Insurance

This type of insurance protects you and your business in cases where your work causes property damage or bodily harm. This general insurance is a must-have for all business owners to protect your company.

Professional Liability Insurance

By purchasing an insurance plan that covers professional liability, your company is protected should you be accused of not performing the services required or you find yourself unable to complete a particular job.

Worker’s Compensation

If your business has employees, this is something you should look into as it helps cover costs for employees who are injured on the job. This will protect you from certain legal ramifications that stem from a workplace injury.

Commercial Auto Insurance

For businesses that use transportation to get to and from each job — especially in the form of commercial van or truck — auto insurance is a must. This type of insurance helps protect company-owned vehicles that transport staff, supplies, or products should an accident occur.

Business owner’s policy (BOP)

The catch-all of insurance policies. This plan allows you to pick and choose from select policies that are the best fit for you and your company. It will include all required coverage for businesses as well as the opportunity to bundle other types of insurance policies for your best fit, usually at a lower price than if you bought each policy individually.

Make Your Choice

When it comes to your business, you know best. That’s why the choice in what type of coverage your business needs is always up to you. If you desire to build a house cleaning empire, then you’ll likely need to look into more advanced forms of coverage to ensure all of your bases are covered. However, if your goals are to create a small and efficient business with a low overhead cost, the type of coverage you need will vary depending on how you choose to operate.

Some policies or bonds may be a better fit than others, which is why it’s always good to understand what works best for you as your business grows. One thing to always keep in mind is that having coverage for your business can go a long way in landing clients. Coverage equals trust, and trust equals business. So if you feel your company is ready to extend its reach, grow, or you want to ensure you’re protected should any issues arise, looking into coverage options available to you is a great place to start.