What Does It Mean For a Housecleaner to be Bonded and Insured?

If you are looking to hire a house cleaner who works for a company, you’ll see several different sources recommend that you hire one is bonded and insured. While there are many questions to ask a cleaning contractor before hiring someone, this is definitely one of the more important ones. It’s considered incredibly important for their trustworthiness and reliability that they be bonded and insured. However, many sources fail to adequately explain what it means to be bonded and insured. So, here is what it means.

Bonded House Cleaners

A house cleaner who works for a company or even one who is a private contractor can be licensed, bonded, and insured. These three things have very similar definitions but they are actually subtly different. One who is licensed has a certificate from the requisite local or state authorities that they are licensed to do business in that area. The license might also say that they are certified to do that specific business. Depending on where you live, house cleaners might need a license to operate legally. Many places don’t require this.

The house cleaner can then pay for a surety bond from a third-party such as an insurance agency or a bank. The bond pays for any damages that might occur to your property during the course of cleaning. This sounds like insurance, but it’s actually different. Insurance premiums are paid to protect the policyholder in case of lawsuits or injury, depending on the type of insurance. A bond is designed to protect a third-party; in this case, that would be the client.

Practical Effects

So, a bond protects a third-party and insurance protects the policyholder. For example, a housekeeper might trip while holding a vase. He or she could break the vase and cut their hand on the glass. That’s damage to your property and injury to the housekeeper in the normal course of business.

The housekeeper would likely pay for the vase out of their own pocket. However, if they refuse to pay for the vase, the client could file a claim with their backer of their surety bond to pay out the price of the vase. That’s the utility of a bond for the client. It’s protection against housekeepers who won’t settle their debts.

The housekeeper would then file an insurance claim for the cost of dealing with the cut on the hand. As you can see, none of the costs accrue to the client. The eventualities are already accounted for before the housekeeper even shows up. It provides security and peace of mind to client and housekeeper alike. Check your local search results for Boise maids to see if they are bonded and insured.

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