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Are House Cleaners Insured in Ohio? What You Need to Know

By Trina | February 2025

When you invite someone into your home to clean, you are trusting them with your belongings, your space, and your peace of mind. One of the most important questions to ask before hiring any cleaning service is whether they carry proper insurance.

The short answer is that not all house cleaners in Ohio are insured. Independent cleaners, people you find through word of mouth, or individuals on marketplace apps often work without coverage. Professional cleaning companies should carry insurance, but it is your job to verify.

Why Insurance Matters

Accidents happen. Even the most careful cleaner can knock over a vase, scratch a floor, or slip on a wet surface. Without proper insurance, you could be left paying for damages or even medical bills if someone is injured in your home.

Insurance protects both you and the cleaner. It means that if something goes wrong, there is a way to make it right without anyone going out of pocket or ending up in court.

Types of Insurance Cleaning Services Should Carry

General Liability Insurance

This covers damage to your property. If a cleaner accidentally breaks something or causes damage while working, general liability insurance pays for repairs or replacement. Most professional cleaning companies carry at least $1 million in general liability coverage.

Workers Compensation Insurance

If a cleaner is injured while working in your home, workers compensation covers their medical bills and lost wages. Without this coverage, you as the homeowner could potentially be held liable for injuries that happen on your property.

Bonding

A bond is different from insurance. It protects you if a cleaner steals from your home. If something goes missing and the cleaner is responsible, the bond provides compensation. Not all cleaning services are bonded, but it adds an extra layer of protection.

How to Verify Insurance

Do not just take a cleaner's word for it. Any legitimate cleaning service should be happy to provide proof of insurance. Here is what to do:

• Ask for a certificate of insurance before the first cleaning
• Verify the policy is current and has not expired
• Check that the coverage amounts are adequate
• For larger companies, you can call the insurance company directly to verify

If a cleaning service hesitates or refuses to provide proof of insurance, that is a red flag. Move on to someone else.

The Risk of Hiring Uninsured Cleaners

Hiring an uninsured cleaner might save you a few dollars, but the risk is not worth it. Consider what could happen:

• A cleaner breaks your expensive TV. Without insurance, you are out of luck.
• The cleaner slips on your stairs and breaks an ankle. Your homeowners insurance might cover it, but your premiums could go up.
• Something valuable goes missing. Without bonding, you have no recourse.

The peace of mind that comes with hiring an insured professional is worth the investment.

Questions to Ask Before Hiring

When you are interviewing cleaning services, ask these questions:

1. Do you carry general liability insurance? How much coverage?
2. Do you have workers compensation insurance?
3. Are you bonded?
4. Can you provide a certificate of insurance?
5. Are your employees background checked?

A professional cleaning service will answer these questions confidently and provide documentation without hesitation.

About Trina's Cleaning

I am fully licensed and insured with general liability coverage. I also carry bonding for your protection. Every client can request proof of insurance before their first cleaning.

I believe in transparency and doing business the right way. When you hire me, you can trust that you are protected.