- 7761 Ballantyne Commons Pkwy, Charlotte, NC 28277
- info@blubearonline.com
- About Us
- FAQ
- Contact
Protect your business from client property damage, theft claims, and employee injuries. Housekeeping insurance covers the unique risks of working inside homes, hotels, and offices with valuable possessions and busy schedules.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Housekeeping puts you inside client homes and businesses where valuable items sit within reach. One broken antique, one missing earring accusation, or one slip on a wet floor can cost you thousands. Without proper coverage, a single mistake can end your reputation and your business.
A housekeeper knocks over a $3,000 ceramic sculpture while dusting. Your housekeeping insurance covers the full replacement cost.
A client claims a diamond ring went missing after your crew cleaned. Housekeeping insurance bonding covers the claim and protects your reputation.
A housekeeper slips on a freshly mopped floor and breaks their wrist. Your housekeeping business insurance covers medical bills and lost wages.
An employee uses the wrong cleaner on a client's marble floors, causing permanent etching. Your housekeeping insurance policy covers floor restoration costs
A complete housekeeper insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed in a client’s home.
Whether you’re doing residential home cleaning, hotel housekeeping, or office janitorial services, we have a housekeeping insurance coverage program designed for your specific scope of work and risk profile because a residential maid service and a hotel housekeeping team need completely different coverage.
Weekly home cleaning, deep cleaning, move-in/move-out cleaning, post-construction cleanup
Guest room cleaning, lobby maintenance, common area sanitation, laundry service
Workstation cleaning, breakroom sanitation, restroom maintenance, common area care
Turnover cleaning, guest supply restocking, laundry service, key exchange management
Large home cleaning, multiple bathroom care, kitchen deep cleaning, seasonal deep cleans
Exam room sanitation, waiting area cleaning, restroom disinfection, biohazard waste removal
Every state has different requirements for housekeeping licensing and insurance minimums. We help you stay compliant with state laws and help you win contracts that require housekeeping insurance quote proof like bond coverage and certificates of insurance.
Housekeeping insurance cost depends on your annual revenue, number of employees, types of properties you clean, and claims history. Residential housekeeping costs less than hotel or medical facility cleaning.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard CGL limit required by most housekeeping contracts
COI issuance — Certificate of Insurance when you need it
Carrier partners — we shop for the best rate for your trade
Housekeeping businesses insured across the Southeast region
Our streamlined process gets you covered fast so you never miss a bid deadline or fail a property manager insurance inspection.
Business license type, annual revenue, payroll, number of employees, and typical properties cleaned residential, hotels, or offices
We create a custom package across CGL, Workers' Comp, Commercial Auto, Inland Marine, and Bond based on your specific housekeeping operations
Receive clear quotes from multiple A-rated housekeeping insurance carriers compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day ready for property managers, hotels, and commercial contracts
Most homeowners and property managers will not hire an uninsured housekeeper. Your personal health insurance may exclude workplace injuries. Housekeeping business insurance is essential even for sole proprietors working alone.
General liability covers accidental damage knocking over a vase or spilling chemicals. Bond coverage protects the client if your employee steals something. Housekeeping insurance bonding is often required by hotels and residential agencies before you get building keys.
That’s exactly what general liability covers. Using the wrong cleaner that damages floors or countertops is covered under housekeeping insurance coverage. Always test cleaning products in an inconspicuous area first to avoid claims.
We offer housekeeping insurance quote online in under 10 minutes. Just tell us your revenue, payroll, properties you clean, and claims history. Same-day binding and instant COI available. A quick call often saves you money.
We issue same-day Certificates of Insurance often within an hour of binding your policy. Hotels require COIs and bond coverage before your crew steps on property. Housekeeper insurance is worthless if you can’t prove it before the job starts.
Specialized coverage for home cleaning, deep cleaning, and move-in/move-out service professionals
Targeted coverage for guest room cleaning, lobby maintenance, and laundry service operations
Coverage for short-term rental cleaning, supply restocking, and key exchange management services
Specialized coverage for workstation cleaning, breakroom sanitation, and common area maintenance
Coverage for large home cleaning, multiple bathroom care, and premium residential services
Targeted coverage for exam room sanitation, waiting area cleaning, and biohazard waste removal
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
