House Cleaning Insurance in Pennsylvania

Also providing house cleaning insurance to residents in Maryland, North Carolina, New Jersey, and Virginia.

Anthony Acri Insurance

What is house cleaning insurance?

House cleaning insurance, also referred to as home cleaning insurance, is a type of liability insurance that protects cleaning businesses from various risks associated with their operations. This insurance typically covers property damage, bodily injury, and legal fees that may arise from accidents or incidents during cleaning services.

What Pennsylvania businesses need home cleaning insurance? 

In Pennsylvania, several types of businesses involved in home cleaning services should consider obtaining home cleaning insurance. These include:

1. Residential Cleaning Companies: Businesses that offer general home cleaning services, such as dusting, vacuuming, and mopping, for private residences.
2. Maid Services: Companies that provide ongoing or recurring maid services, including tasks like laundry, organizing, and deep cleaning.
3. Carpet and Upholstery Cleaning Businesses: Businesses that specialize in cleaning carpets, rugs, and upholstered furniture in residential homes.
4. Window Cleaning Services: Companies that offer residential window cleaning services, especially those that involve working at heights, should have insurance to cover potential risks.
5. Move-In/Move-Out Cleaning Services: Businesses that provide cleaning services for homes before or after a move, which may involve more intensive cleaning tasks.
6. Post-Construction Cleaning Services: Companies that clean newly constructed or renovated homes, removing construction debris, dust, and other materials.
7. Specialized Cleaning Services: Businesses that offer niche cleaning services, such as cleaning after a party or event, or providing eco-friendly or green cleaning solutions.
8. Independent House Cleaners: Self-employed individuals who provide cleaning services in private homes should also have insurance to protect themselves from potential liabilities.

These businesses need home cleaning insurance to protect against risks like property damage, personal injury, and potential legal claims that could arise while performing their services in clients’ homes.

What types of coverage are included in house cleaning insurance?

House cleaning insurance may include various types of coverage, depending on your specific needs. Common coverages include:

1. General Liability Insurance: This covers third-party claims for bodily injury, property damage, and personal injury (such as slander or libel) that may occur during cleaning services. For example, if a cleaner accidentally damages a client’s property or a client slips on a wet floor, general liability insurance would help cover the costs.
2. Workers’ Compensation Insurance: If the business has employees, this coverage is essential. It provides benefits to employees who are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs.
3. Business Property Insurance: This covers damage to the business’s property, such as cleaning equipment, supplies, or office space, caused by events like fire, theft, or vandalism.
4. Commercial Auto Insurance: If the business uses vehicles to transport cleaning supplies or travel to clients’ homes, commercial auto insurance covers those vehicles. It provides protection against accidents, damage, and liability while the vehicle is being used for business purposes.
5. Inland Marine Insurance: This covers specialized equipment or tools that are transported between job sites. It’s particularly useful for protecting valuable cleaning equipment while in transit.
6. Professional Liability Insurance: Also known as errors and omissions insurance, this covers claims arising from mistakes or negligence in providing cleaning services, such as failing to deliver the agreed-upon level of service.

What factors affect the cost of house cleaning insurance in Pennsylvania?

The cost of house cleaning insurance in Pennsylvania can be influenced by several factors:

1. Business Size and Revenue: The size of the cleaning business, including the number of employees and the annual revenue, directly impacts insurance premiums. Larger businesses with higher revenue typically pay more for coverage.
2. Coverage Types and Limits: The extent of coverage, including general liability, workers’ compensation, and business property insurance, affects the cost. Higher coverage limits will increase the premium.
3. Location: The specific area within Pennsylvania where the business operates can influence the cost due to regional risks, such as crime rates or the frequency of claims in that area.
4. Claims History: A history of previous claims, especially if they are frequent or costly, can lead to higher insurance premiums, as insurers view the business as a higher risk.
5. Services Offered: The types of cleaning services provided, such as standard residential cleaning, commercial cleaning, or specialized services like carpet cleaning, can affect insurance costs. More specialized or high-risk services may require additional coverage.
6. Employee Experience and Training: The experience level and training of employees can impact the cost. Well-trained and experienced staff are less likely to cause accidents, leading to lower premiums.
7. Safety Measures: Businesses that implement robust safety protocols, such as using safe cleaning products and providing employees with proper protective equipment, may receive discounts on their insurance.
8. Deductibles: Choosing higher deductibles can lower the premium, while lower deductibles will increase the cost.
9. Policy Customization: Additional endorsements or riders for specific risks, such as equipment coverage or business interruption insurance, can raise the overall cost.

These factors collectively determine the cost of house cleaning insurance in Pennsylvania.

What exclusions should I be aware of in house cleaning insurance?

When reviewing house cleaning insurance policies, be aware of common exclusions, such as:

1. Pre-existing damage: Policies typically do not cover damage that existed before the policy began.
2. Intentional acts: Any damage or injury caused intentionally by you or your employees is usually not covered.
3. Wear and tear: Normal wear and tear on items or properties is generally excluded from coverage.
4. Negligence: If it may be proven that a claim arose from your negligence, it might not be covered.
5. Unlicensed work: If you perform cleaning services without the necessary licenses or permits, the insurer may deny coverage.

How can house cleaning businesses in Pennsylvania obtain home cleaning insurance?

Reach out to the independent agents at Anthony Acri Insurance for a fast quote on house cleaning insurance in Pennsylvania. Our knowledgeable team may help you navigate the various coverage options available and tailor a policy that meets the specific needs of your cleaning business. With our expertise and commitment to customer service, you may gain peace of mind knowing you are adequately protected against potential risks.