Miami · General Liability
House Cleaning insurance in Miami, FL.
Residential and turnover cleaning for homes and rentals. General Liability protects house cleaning companies from the third-party claims that Miami contracts, landlords, and GCs require. Start a quote online and a licensed agent will follow up shortly.
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What's covered
What General Liability covers for house cleaning companies
These are the exposures house cleaning companies in Miami, FL face most — and exactly what a GL policy is built to handle.
Third-party bodily injury
If a client or passerby is hurt because of your house cleaning work, GL responds to medical and legal costs.
Third-party property damage
Covers damage you cause to a customer's property while working — a routine claim for house cleaning companies.
Products & completed operations
Claims that surface after a job is finished — the exposure most Florida contracts require house cleaning companies to carry.
Personal & advertising injury
Libel, slander, and certain advertising-related claims against your business.
Medical payments
Small injury costs paid without a liability finding, to resolve incidents quickly.
Certificates of Insurance
We'll issue a COI naming a GC, landlord, or venue quickly once coverage is bound so you never lose a job over paperwork.
Real claims for house cleaning companies
- You damage furniture, floors, or valuables in a home
- A product ruins a surface or fabric
- A wet floor injures a resident
Cost in Miami, FL
$30–$95/mo
Most house cleaning companies pay between $30 and $95 a month for General Liability, depending on revenue, payroll, limits, and claims history. Miami's exposure to hurricane wind and coastal flood can nudge pricing either way. Run a quote for your exact number — it takes a few minutes.
Certificate requirements
What GCs & landlords usually require
For house cleaning companies, a typical certificate calls for $1M/$2M, additional insured for property managers. Once coverage is bound, we issue that COI — naming the specific GC, landlord, or venue — quickly so you can start the job.
FAQ
House Cleaning insurance questions
How much does House Cleaning general liability insurance cost in Miami, Florida?
Most house cleaning companies in Miami, Florida pay roughly $30–$95/mo for General Liability, depending on revenue, payroll, limits, and claims history. Miami's exposure to hurricane wind and coastal flood can influence pricing. The fastest way to get a real number is to run a quote — it takes a few minutes.
Do house cleaning companies in Florida need general liability insurance?
It's rarely required by state law, but in practice most house cleaning companies can't work without it: general contractors, landlords, property managers, and venues almost always require a certificate showing $1M/$2M, additional insured for property managers before you set foot on the job.
What does GL cover for a house cleaner?
It covers third-party bodily injury, third-party property damage, and products/completed-operations claims. For example: you damage furniture, floors, or valuables in a home. It does not cover your own tools or vehicles, or employee injuries — those are covered by inland marine, commercial auto, and workers' comp.
How fast can a house cleaner get a Certificate of Insurance?
Once coverage is bound, we issue a COI naming the specific GC, landlord, or venue that's requiring it. If your operation needs a specialist, an Arace agent turns certificates around quickly.
Is a certificate of insurance the same as being insured?
No — a COI is proof of an active policy, not the coverage itself. You need a bound GL policy first; then we issue certificates (including additional-insured endorsements) to whoever your contract requires.
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