My housekeeper is "bonded and insured." What does that mean?

By Posted : 01/01/2011

Consumer organizations, such as the Better Business Bureau, recommend hiring only contractors and service providers who are "bonded and insured" to do work at your home. Why? Those terms mean you have valuable protection in case something goes wrong.

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The housecleaning service makes payments to a surety company for protection by a bond, and pays premiums to an insurance company for insurance coverage. The surety or the insurance company are responsible for covering financial losses, depending on the type of incident.

The bond compensates you in case the service isn't completed on time or correctly. You can make a claim and be paid for the unfinished or improperly executed work. In some cases a bond might also cover damage or theft. Businesses that are bonded do background checks on their employees, so you have peace of mind knowing that any housekeeper a bonded housecleaning services sends to your home has a clean record.

Insurance is critical. It provides liability protection in case the housekeeper is injured in your home. Some policies, like the bond, might also cover damage or theft.

If the housekeeping service is not bonded and insured, then you would have no recourse if the housekeeper failed to finish the work, and you could be held liable for medical expenses if the employee got hurt while working at your home. Your homeowners insurance would come to the rescue if an uninsured housekeeper was injured and sued you, but the liability protection provided by home insurance might not be enough if the injury were severe, and regardless of the amount of medical expenses, you'd still be on the hook for the deductible.

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11 Responses to "My housekeeper is "bonded and insured." What does that mean?"
  1. ann delaurentis 29, Dec, 2013

    I'm a c.n.a. looking for info so I can work on my own when going in clients house's.

  2. DENNIS PATTERSON 20, Dec, 2013


  3. jan karn 05, Dec, 2013

    Hi my name is jan karn and interested in some quotes for a small business that I'm trying to start.the jk road runner private investigation

  4. Marybonnette 24, Nov, 2013

    Thank you very much

  5. Lisa poquette 21, Oct, 2013

    I have joined a website that looks for pet sitters and babysitters . I would like to do both. I am concerned about being sued as people are sue happy. I would like a quote on how much it would cost to be licensed and bonded for these 2 jobs

  6. Jim Bates 21, Jan, 2013

    I'm interested in some quotes, I am just getting my license for a remodeling company that will operate in th Myrtle Beach area. (Horry, Surfside, and Georgetown counties). Thanking you in this matter, Jim Bates

  7. Reynelda Pitts 06, Jan, 2013

    Want Qoute on bonded insurance. Starting new concierge business in which will include housecleaning and childcare/pickup service. Thanks

  8. Foursquare Cleaning 21, Nov, 2012

    Weather you believe it or not being 'Bonded and Insured" is the best thing you can do for you company plus, it give's your client's peace of mind.

  9. FourSquare Cleaning 21, Nov, 2012

    Our Ohio office and home cleaning business is insured of over 1 million dollars. Its very important to protect your customer and your self. No professional business would operate with out insurance.

  10. sharon 15, Aug, 2012

    how can I get bonded and insured

    1. Susan Van Houten 09, Jan, 2013

      How do I get bonded & insured?

        Reply »  

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