House Cleaning Business Owners Policy

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What is GigBOP - Business Owners Policy for House Cleaners?

Business Owners Policy covering Business Personal Property & General Liability with options in Employment Benefit Liability, Professional Liability, and Hired Non-Owned Auto Liability. Designed and tailored solutions for risks related to Gig Economy and emerging industries. Specifically created for home-based business, shared workspace offices, and limited footprint companies.

Businesses eligible for the GigBOP include: Artisan/Servicing Manufacturing, Direct Retail Sales, Online Retail Sales and Services. We have more than 75 classes available.

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GigBOP at a Glance

Why do House Cleaning Business Owners need insurance?

Small house cleaning companies are encouraged to purchase house cleaning businessowners policy to supply the needs of the house cleaners when unfortunate events happen while they are cleaning a client’s house.

So how does a house cleaning insurance work?

Client Injury


Accidents can happen anytime, anywhere. House cleaners must be protected even while they are performing their task in maintaining the cleanliness of the someone’s residence. But instances like the client or the client’s kid tripping over the vacuum cord and getting hurt do happen. Sometimes it even results to being admitted to the hospital. With insurance for house cleaners, they are not required to pay for the damage by themselves. The carrier of the house cleaner insurance will be responsible for paying the damage costs.

Damage to Property


House cleaning can be done individually or in groups. The house cleaners are usually given a short period of time to clean the whole area and being aware if the time limit, there are times that their adrenaline rush leads to breaking or damaging an important item in the house, like scratches on the wooden floor, breaking an expensive collector’s item, or ruining the carpet.

Injured House Cleaner


When the cleaner injures himself or herself while at work, they must also be cover with medical costs from an insurance.

Road Accidents


House cleaners carry with them all the cleaning supplies and equipment, from one booking to the next. Some small house cleaning businesses rent a vehicle to be used by their employees to travel to places. Road accidents can occur anytime, so they need an insurance coverage that will afford for whatever damage they may cause to anyone on the road.

Negligence Lawsuits


The house cleaner or house cleaning company can be sued for failure to exercise due care.

Any form of lawsuits can make a great damage to a small house cleaning business. Worst, it can be the end of the business. Acquiring an insurance package that is specially made for the specific needs of the business can make all the difference. SynchronoSure®’s GigBOP, a micro-bop insurance, can protect the house cleaning business against common risks and hazards.

Accepts payment via credit card or ACH. Policy forms, invoices and policyholder notices are sent electronically.

Visit the Insurance-As-A-Service™ Resources page available to policyholders for access at your fingertips a suite of value added resources for legal, human resource management, risk management, mental health, ergonomics and loss mitigation services.

 

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