House Cleaning Insurance in Tennessee

Common risks for house cleaners

• Breaking a vase, TV, or other valuable while dusting
• Damage to finishes from the wrong cleaning product
• Theft accusations, whether true or not
• Lost or misused house keys and alarm codes
• Slips and lifting injuries for your cleaners

Coverages house cleaners often consider

• General liability Helps if your business is blamed for injuring someone or damaging their property, and usually pays for a legal defense.
• Surety bonds A janitorial or employee dishonesty bond can help if an employee steals from a client. Many clients ask for “insured and bonded.”
• Workers’ compensation Pays medical bills and lost wages if an employee is hurt on the job, and includes employer’s liability.
• Hired and non-owned auto If cleaners drive their own cars between homes, this liability coverage can help.
• Tools and equipment (inland marine) Covers tools and gear that travel to job sites or customer locations, or sit in your truck.

Not every business needs every coverage. The right mix depends on your work, your contracts, and your budget. All coverage is subject to underwriting and the terms of the policy.

What a claim could look like

For example, imagine one of your cleaners uses an abrasive pad on a marble vanity in a Brentwood home and leaves permanent scratches. The homeowner asks you to pay for refinishing. Claims like that may go to general liability, subject to policy terms and your deductible.

This is a hypothetical example for education only. Whether any claim is covered depends on the facts and your policy terms.

Tennessee rules to know

Workers’ comp. Most Tennessee employers outside construction and coal mining must carry workers’ compensation once they have five or more employees, full- or part-time, per the Tennessee Department of Labor and Workforce Development. Even below that number, many owners choose to carry it.

We can review your requirements and help you shop workers’ compensation and the other coverages above with carriers that write house cleaners, subject to underwriting.

Certificates of insurance

Property managers and some homeowners ask cleaning businesses for a certificate and proof of bonding before giving you a key.

A certificate of insurance shows your coverage on the day it’s issued. If a contract asks for additional insured status or a waiver of subrogation, the policy usually needs an endorsement, not just a line on the certificate. Our certificate of insurance checklist walks through what to check.

What affects the cost

• The type of work you do and how it’s classified
• Annual revenue and payroll
• Number of employees and any subcontractors
• Where you work and the value of your equipment or property
• The limits and deductibles you choose
• Your claims history and years in business

We can’t promise a price ahead of time, but we can compare options and explain the trade-offs in plain English.

How Eric can help house cleaners

Cleaning crews and service pros across Nashville, Brentwood, Hendersonville, and Murfreesboro often need certificates for office buildings, HOAs, and property managers. As an independent agent affiliated with Hutsenpiller Insurance, Eric can review what you have, read your contract requirements with you, and help you shop options with more than one carrier. See how an independent agent works for you.

Related guides

• Cleaning and Property Services Insurance in Tennessee
• All business types we can help
• Business insurance in Middle Tennessee
• General liability insurance
• Certificates and additional insureds explained
• Small business insurance checklist (PDF)
• Certificate of insurance checklist (PDF)