Florida House Cleaning and Maid Service businesses pay $71–$295/month.
Estimated range for a standard policy. Actual premiums vary by revenue, employee count, claims history, and coverage limits. Get a live quote for exact pricing.
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Same-day certificate of insurance
Avg. ~10 min
Quote to COI — per ERGO Next
| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Miami | $96–$398/mo | Compare → |
| Jacksonville | $70–$289/mo | Compare → |
| Tampa | $80–$330/mo | Compare → |
| Orlando | $77–$319/mo | Compare → |
| St. Petersburg | $78–$325/mo | Compare → |
Covers third-party bodily injury and property damage claims — required by most commercial leases, client contracts, and licensing boards.
Bundles general liability + commercial property into one discounted package — typically 20–30% cheaper than buying them separately.
Required in most states for any employer with employees. Covers medical expenses, lost wages, and employer liability for on-the-job injuries.
Covers your business building, equipment, inventory, and fixtures against fire, theft, vandalism, and other covered perils.
Covers tools, equipment, and business property in transit or at off-site locations — fills the gap standard property insurance leaves for mobile assets.
Common risks for House Cleaning and Maid Service businesses — not all are covered under Business Owner's Policy (BOP). Employee injuries require Workers' Compensation; alcohol-related liability requires a Liquor Liability policy.
House Cleaning and Maid Service businesses in Florida face these exposures — which may require multiple types of coverage. Not every risk below falls under Business Owner's Policy (BOP): employee injuries require Workers' Compensation, and alcohol service liability requires a separate Liquor Liability policy.
Property damage while cleaning
Employee injury from chemicals or equipment
Theft accusation by client
Slip and fall by worker on premises
Chemical damage to surfaces or fabrics
Vehicle accident between job sites
Tell us about your House Cleaning and Maid Service business in Florida — revenue, employees, location, and coverage needs. Takes about 3 minutes.
Compare quotes from top-rated Florida carriers. Filter by price, coverage, and carrier rating. Coverage starts same day.
Select your policy and pay online. Coverage activates at binding — your Certificate of Insurance downloads instantly. If a landlord or client needs additional insured status, request that endorsement at this step.
Strategies that consistently lower premiums for House Cleaning and Maid Service businesses in Florida:
💡 Compare at least 3 carriers
Rates for identical BP coverage vary 30–40% across carriers in Florida. The only way to know you're getting the best rate is to compare.
💡 Bundle policies with one carrier
Bundling BP with your other coverage (WC, commercial auto, umbrella) typically saves 10–20% on your total premium.
💡 Maintain a clean claims history
A single claim can raise your House Cleaning and Maid Service BP premium 20–35% at renewal. Handle small losses out-of-pocket when possible.
💡 Accurately classify your operations
Misclassifying your business operations (too broad or too narrow) leads to over- or under-pricing. Work with a carrier that knows Cleaning & Maintenance businesses.
💡 Pay annually instead of monthly
Most carriers charge a 3–8% installment fee for monthly billing. Paying annually eliminates this cost with no coverage change.
Appetite ratings reflect how actively each carrier writes house cleaning and maid service policies. AM Best ratings reflect financial strength as of 2026.Source: AM Best, carrier filings, NCCI data.
| Carrier | AM Best | Appetite | Typical Range |
|---|---|---|---|
| NEXT Insurance (ERGO)Available Here | A (Excellent) | Excellent | $55–$180/mo |
| The Hartford | A+ (Superior) | Good | $70–$220/mo |
| Employers Holdings | A (Excellent) | Good | $60–$200/mo |
| Coterie Insurance | A (Excellent) | Excellent | $50–$170/mo |
| Markel | A (Excellent) | Moderate | $80–$250/mo |
Rate ranges are estimates based on industry averages for businesses with under $500K revenue, no prior claims, and standard policy limits. Your rate may vary.
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Estimated Business Owner's Policy (BOP) Cost
for House Cleaning and Maid Service in Illinois
per month
~$864–$3,600 per year
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* Estimates are based on national industry benchmarks adjusted for state cost index, business size, revenue, and claims history. Not a guaranteed quote. Actual premiums vary by carrier, underwriting factors, and coverage limits selected. Consult a licensed insurance professional for binding coverage.
House Cleaning and Maid Service businesses in Florida typically pay $71–$295/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Florida doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For House Cleaning and Maid Service businesses in Florida, this covers third-party claims and incidents arising from your operations. Note: employee injuries are covered by Workers' Compensation, not GL — and liquor service liability requires a separate Liquor Liability policy.
House Cleaning and Maid Service businesses in Florida face multiple exposures that may require different coverage types: Property damage while cleaning; Employee injury from chemicals or equipment; Theft accusation by client; Slip and fall by worker on premises. Not all of these fall under Business Owner's Policy (BOP) — a licensed broker can match each risk to the right policy.
Top carriers in Florida for Cleaning & Maintenance businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most House Cleaning and Maid Service policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rates vary by city within Florida. Click your city for a local rate breakdown and carrier comparison.
House Cleaning and Maid Service businesses in Florida typically carry multiple policies. Here are the other coverage types that apply:
Rate estimates reflect 2026 industry data adjusted for Florida cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.
About this content: My Digital Kube is an independent insurance comparison platform operated by a licensed insurance agency. Commercial rate estimates are derived from carrier rate filings, NCCI data, and industry benchmarks — not live carrier quotes. State regulatory information is verified against state department of insurance publications. Actual premiums vary by payroll, revenue, claims history, and individual underwriting. Last reviewed: October 2026. Editorial Policy →