Cleaning guide
Do House Cleaners in Virginia Need Insurance and Bonding?
How to ask about coverage without confusing insurance, bonding and licensing.
Know what the words mean
Liability insurance, workers' compensation and a surety bond address different risks and have different terms. Do not assume one replaces another or that every provider has the same coverage. Legal requirements can vary by business structure and work arrangement; confirm current requirements with an appropriate Virginia authority if you need a legal answer.
What to request
Ask the company what coverage it carries, who is covered and whether it can provide current documentation. Find out how to report damage or an injury and who handles the claim. A written answer is more valuable than a generic “fully insured” claim.
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