What is House Cleaning General Liability Insurance?

General liability insurance for house cleaners — commonly known as — housekeeping business liability coverage, plays a pivotal role in providing a financial safety net, ensuring protection against typical business claims. This insurance acts as the primary source of support during unforeseen incidents or accidents at job sites or premises.

Why do I need it?

Business Protection – The principal purpose of general liability insurance for housekeepers is to ensure businesses are protected from third-party lawsuits that may emerge from the following sources:

• Business Liability
• Liability Assumed Under a Contract
• Products Liability
• Employee Liability

Company Compliance – Prior to commencing operations, various employers and state licensing departments require proof of commercial liability insurance for house cleaning businesses.

Marketing Benefits – Offering verification of house cleaning business liability insurance cultivates trust among potential clients, highlighting your unwavering dedication to ethical business practices and providing security for all involved. This protective measure safeguards your business, reinforces your professional reputation, and improves your prospects of securing lucrative contracts.

Property Landlords – Commercial property leasing agreements commonly necessitate housekeeping businesses to provide a certificate proving they possess adequate house cleaner general liability insurance.

What does it Cover?

House cleaners’ commercial liability coverage is crucial because it covers legal defense expenses and damages up to the policy limits in the event of a lawsuit filed by a third party due to bodily injury or property damage caused by your business activities.

This insurance protects company owners by mitigating the financial repercussions of unforeseen expenses that can arise from:

• Bodily Injury
• Property Damage
• Products & Completed Operations
• Personal & Advertising Injury
• Medical Payments

What is a Certificate of Insurance?

Supplying a certificate of insurance is tangible evidence of a house cleaning liability policy and its applicable coverage limits. It is frequently sought after by clients, contractors, or other parties as an essential prerequisite for establishing a business partnership.

What is an Additional Insured?

When it comes to housekeepers’ general liability insurance, an additional insured refers to a separate individual or entity, other than the policyholder, who is granted coverage. This endorsement is frequently requested and is widely recognized as the most common addition to a contractors’ commercial liability policy.

How much is it?

The cost of general liability insurance for a house cleaning business is influenced by various factors, including the type of work performed, claims history, coverage location, and past or current policies.

Utilizing our team’s extensive expertise, we will diligently search the country’s top insurance carriers to find the most fitting coverage that aligns with your budgetary requirements.

What are my Payment Options?

When moving forward with your general liability quote for house cleaners, we provide you with the liberty to choose a payment option that aligns with your financial requirements.

Full Payment Option – Pay the premium with one payment.
Direct Bill Option – Pay the monthly premium to the carrier directly.
Financing Option – Pay the monthly premium through a finance company.

Why do Housekeepers Prefer Fairbanks over Others?

Our unwavering focus on house cleaning insurance has allowed us to develop strategic partnerships with the nation’s most respected carriers, which positions us to offer housekeeping companies highly competitive rates on cost-effective general liability coverage that caters to a wide range of budgets.

Our solutions are intricately designed to match your specific needs and financial objectives.