House Cleaning & Maid Service Insurance in California
Coverage for working inside people's homes — broken valuables, a guest who slips, a client worried about who has their key, and the comp your house-cleaning employees need.
Commercial policies are quoted by a licensed agent — call or text with your business details, or request a quote online and we’ll follow up fast.
In short
Residential cleaning and maid service insurance protects companies that clean private homes, condos, and short-term rentals — a different world from commercial janitorial because you're inside someone's house, around their valuables, pets, and family. The everyday claim isn't a giant lawsuit; it's a knocked-over heirloom, a scratched hardwood floor, a stained countertop from the wrong product, or a homeowner who blames your cleaner for a missing item. Add cleaners driving between three or four homes a day and you have real road exposure too. Auto World is a licensed California broker (#6005606) that shops multiple commercial carriers so a solo house cleaner or a maid-service team with several cleaners gets liability, a bond, workers' comp, and service-vehicle coverage that fits residential work.
What commercial auto insurance covers
General Liability (damage in the home)
Covers the everyday residential claim — a cleaner breaks a TV or a vase, scratches a floor, ruins a countertop with the wrong chemical, or a homeowner or guest is injured. This is third-party injury and property-damage protection while you work inside a client's home.
Cleaning / surety bond (theft protection)
Homeowners give your cleaners keys and alarm codes. A janitorial-style bond reimburses the client if an employee is convicted of theft — many clients and franchises won't book you without 'bonded and insured' on your marketing.
Workers' Compensation
Required in California once you have employees. House cleaning is physically hard — repetitive scrubbing, lifting, stairs, and chemical exposure lead to strains and reactions. Comp pays their medical bills and lost wages and protects you from out-of-pocket injury costs.
Commercial Auto (service vehicles)
If the business owns cars or vans your cleaners drive to homes with supplies and equipment, they need commercial auto — a personal policy won't pay for an accident on the way to a paid job.
Hired & Non-Owned Auto (HNOA)
Most maid services have cleaners driving their own cars to several homes a day. HNOA protects the business if a cleaner causes a crash while driving their personal vehicle on the clock.
Lost-key & care-custody add-ons
Optional coverage for the cost of re-keying a client's home if your team loses a key, plus care-custody-and-control options for damage to property in your charge.
Who needs it
Solo house cleaners going pro
Independent cleaners ready to be 'bonded and insured' so they can charge more and win repeat clients.
Maid service teams
Companies sending two- and three-person crews to multiple homes a day with company-supplied products.
Move-in / move-out & deep-clean specialists
High-touch jobs handling a home's contents where property-damage claims are most likely.
Airbnb & vacation-rental turnover cleaners
Cleaners servicing short-term rentals where property managers require proof of insurance.
Franchised home-cleaning operators
Franchisees whose agreement mandates GL, a bond, and workers' comp limits.
Window & carpet cleaners (residential)
Specialty in-home cleaners with added water-damage and floor-care exposure.
Get a commercial auto quote today
Tell us what you drive and what you haul — we shop multiple California commercial carriers and get you covered, often same day.
Why Auto World for commercial coverage
We bundle the 'bonded and insured' package homeowners look for — general liability plus a cleaning bond — so you can market it honestly.
Workers' comp for your cleaners placed alongside the liability, not as an afterthought.
Service-vehicle commercial auto and hired & non-owned coverage for cleaners driving between homes all day.
Lost-key and property-damage add-ons that matter for in-home work.
Multiple California commercial carriers compared for residential cleaning — licensed broker, CA DOI #6005606.
Spanish-speaking agents available — call or text (619) 363-4466.
Frequently asked questions
What does 'bonded and insured' actually mean for a cleaning business?▾
A client's vase or TV gets broken while we clean — is that covered?▾
Do I need workers' comp if it's just me and one helper?▾
How much does maid service insurance cost?▾
My cleaners drive their own cars to homes all day — what covers that?▾
More commercial coverage
Ready to insure your work vehicles?
A licensed California agent will compare commercial carriers and get you a quote. Call or text now — proof of insurance often the same day.