House cleaning insurance guides, by situation
Checked October 2026
Each guide takes one situation that catches house cleaners: the vase you're holding, the lost key ring, the app guarantee that isn't insurance, the HOA that wants a certificate before you start. They cover what each policy pays, where it stops and what your state, client or booking app can require, with the agency, platform or insurer page behind every fact. Start with the guide that matches what's in front of you.
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Each guide starts from something that goes wrong on a job, names the policy that answers for it and says where that policy stops. They're written for people who clean for a living, so an insurance term gets a plain-words explanation the first time it shows up.
Where to start depends on what's in front of you. About to pick up a client's key or get a lockbox code: read the lost key guide. A condo building or property manager just asked for a certificate: read the certificate guide before you call your agent. Most of your work comes through Airbnb hosts or a booking app: read the platforms guide, since the app's guarantee is a separate thing from your own policy.
Starting from zero, read the coverage page first for the full list of policies, then come back here for the parts of your business that need a closer look. Prices are on the cost page, licensing on the license page and workers' comp rules on the requirements page.
Setting up the business comes before most of these. The startup guide gives the order to register and insure, and the LLC guide sets the filing fees against what an LLC won't pay.