House Cleaning & Maid Service Insurance in Michigan
For Michigan house cleaning business insurance, separate occupied homes, move-outs, short-term rentals, windows, and specialist cleaning. Include receipts, payroll, hired-business costs, customer types, claims, and contract requirements before comparing terms.
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Insurance costs in Michigan
Our lowest bound general liability policy for house cleaning businesses is $200/yr, a policy we wrote for a house cleaning business in North Carolina. That is our lowest real price, not an average or a Michigan rate. Your price usually goes up with sales, payroll, the type of work you do and claims.
Prepare annual receipts, payroll, hired-cleaner costs, customer types and claims. Separate routine housekeeping from carpet treatment, elevated windows, post-construction work or specialist remediation.
Compare customer-property wording, any sublimit and deductible, exclusions for poor work, key-related protection and requested limits. A lower GL premium is not a like-for-like comparison if the property you clean has different protection.
| Coverage | Typical cost | Notes |
|---|---|---|
| General liability (bound) | from $200/yr | Our lowest bound policy for this trade: a house cleaning business in North Carolina. A real policy, not an estimate. |
| Your general liability quote | Individual quote | Review accepted services, limits, deductibles and exclusions. |
| Customer-property protection | Check the wording | Ask about property being worked on, extensions, sublimits and poor-workmanship exclusions. |
| Workers, vehicles and equipment | Separate review | Match staffing, business travel and equipment to the appropriate coverage. |
The price shown is the lowest general liability premium in our own book for this trade as of 2026-10-02, labelled bound (a policy we wrote). Your premium depends on your work, sales, payroll, location, limits and claims. It is not a quote or an offer of insurance. Coverage and price depend on your operations and the policy offered. Request a quote for your own business.
What moves your price
- ✓Which services and customer types make up the MI operation?
- ✓Which work is performed by employees versus hired businesses?
- ✓Do you clean occupied homes, move-outs, short-term rentals or a mix?
- ✓Which surfaces, products and equipment do you use?
- ✓Are cleaners employees or hired businesses, and who holds customer keys?
- ✓Do jobs include windows at height, construction dust or specialist remediation?
Coverage questions to review
Ask specifically about the item or surface being cleaned, property in your care and any customer-property extension. Confirm sublimits and exclusions.
Review employee injuries separately from GL. Ask about lost keys, theft-related requirements and any bond the customer requests; these are not interchangeable protections.
Discuss equipment used between homes and business driving, including customer property transported for cleaning.
What to check in Michigan
State resources checked . Confirm current requirements with the linked agencies.
Michigan uses two workers' compensation triggers
Michigan generally requires coverage when a private employer regularly has three employees at one time, including part-time staff, or one employee works at least 35 hours a week for 13 weeks or longer. Describe owners, officers, employees, and hired businesses separately.
Michigan workers' compensation insurance requirements →Describe the Michigan cleaning contract, not just the business label
List the homes and rentals served, surfaces, products, equipment, key or alarm access, workers, and any window, carpet, post-construction, or remediation work. Ask how the proposal treats property being cleaned.
Compare the property-damage wording, not just the GL limit
A cleaner can damage a countertop, floor finish or customer’s belongings without the whole loss fitting the headline liability limit. Ask to see any customer-property extension and its restrictions. The coverage guide below includes a specific proposal example, not a rule for every carrier.
A bond, certificate and policy do different jobs
Ask what the customer needs before buying a bond or requesting a certificate. A certificate does not add coverage, and a janitorial bond is not a replacement for reviewing accidental property-damage coverage.
Prefer to talk? Call (929) 594-5450
Frequently asked questions
How much does house cleaning business insurance cost in Michigan?
Our lowest bound general liability policy for house cleaning businesses is $200/yr, a policy we wrote for a house cleaning business in North Carolina. That is our lowest real price, not an average or a Michigan rate. Your price usually goes up with sales, payroll, the type of work you do and claims.
What should a Michigan house cleaning business send for an insurance review?
Send the current policy if handy, service and customer breakdown, receipts, payroll, subcontractor costs, claims, requested limits, and any customer contract or insurance exhibit. Identify occasional or higher-hazard work separately.
Does general liability cover damage to the surface I clean?
Do not assume so. Damage to property being worked on or under your care can have exclusions or a separate extension with a lower limit. Ask about the actual surface, cleaning method, deductible, sublimit and poor-workmanship wording.
Does a janitorial bond replace liability insurance?
No. Ask what the particular bond covers and what the customer requires. A bond is not a substitute for accidental property-damage coverage.
Can I add short-term-rental turnovers to a household cleaning quote?
Disclose the turnovers, access arrangements, laundry or property handling and any work outside normal cleaning so the insurer can review it.
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