House Cleaners Insurance
Protect Your Home from Un-Insured House Cleaners
Many house cleaning companies are not insured because of the high cost of liability insurance. You could be at risk for both injuries and property damage. Beware of a house cleaning company whose rates are unusually low.
How to Ensure Your House Cleaner is Insured
It's easy to get proof of insurance simply ask the house cleaning service to have their insurance company fax or mail you a copy of their certificate of insurance. The insurance company is required to notify you if the house cleaning company's insurance policy is ever cancelled.
The Certificate of Liability Insurance will list you as the certificate holder. It will also list the name of the insurance broker, the insurance company and the name of the cleaning company that is insured.
A house cleaning company may offer a photocopy of their insurance policy as proof of insurance. Never accept this as there's no way for you to know whether the policy is current. The policy could have been cancelled the day after it was issued. Without proof of insurance directly from the insurance company you could be paying the rate of a house cleaning company with insurance while unknowingly putting yourself at risk every time the house cleaner is on your property.
Your Protection and Peace of Mind
A cleaning company without liability insurance coverage may also lack L & I coverage (insurance that pays medical bills for on-the-job injuries) and may not be paying federal taxes for their employees. You could be held liable for back taxes and payments to the government as if you were hiring your own employees.
Every reputable cleaning company will be happy to provide proof of insurance. Enjoy peace of mind every time your home is cleaned. Choose a cleaning company that has insurance to protect you and your home in case of damage to your property and injury to the house cleaners while they are on your property.