MAID RIGHT

The 2025 Maid Right franchise agreement (Section 16.2) requires Commercial General Liability at $1,000,000 each occurrence and $2,000,000 aggregate on an occurrence form; Business Auto Liability at state-required limits for your vehicles; Property and Casualty Insurance (limits in Brand Standards Manual); Workers' Compensation at state limits; and Employers Liability at a $500,000 minimum. Maid Right, LLC and its affiliates must be named as additional insured on all policies except workers' compensation and employers liability. The FDD is entirely silent on crime coverage, EPLI, and cyber.

The Maid Right FDD does not require a bond at all. A janitorial bond is a fidelity instrument that pays a client if your employee steals their property — but only after a conviction, and the surety seeks reimbursement from your business after it pays. A third-party crime policy is the stronger instrument: it pays without a conviction and does not claw the money back. Rikor recommends a third-party crime policy at $250,000 on a Loss Discovered form, even though the FDD never required one.

Not through general liability — theft by your own employee is a dishonesty exclusion, not an accident. The Maid Right FDD is entirely silent on crime coverage, so most franchisees have no coverage at all for this exposure. A third-party crime policy with a theft-of-customer-property endorsement at $250,000 on a Loss Discovered form is the answer.

A Loss Discovered crime form covers theft that is found during the policy period no matter when it began. A Loss Sustained form covers only theft that both occurred and was found in the same policy term. Because employee theft in cleaning is often a quiet pattern noticed months after it started — sometimes only after an employee leaves — the Loss Discovered form is the one to insist on. It closes the timing trap that a Loss Sustained policy leaves open.

Standard general liability contains a care, custody, and control exclusion that removes coverage for property your cleaner was handling or working on when it was damaged. That covers most of what your cleaners touch. Care, custody, and control coverage — also called bailee coverage — is the separate policy written for accidental damage to a client's property. The Maid Right FDD does not require it, but it fills the exact gap the general liability exclusion creates. Rikor's baseline is $150,000.

Yes — and the Maid Right FDD does not require it, which makes it entirely the operator's responsibility to add it. High-turnover cleaning workforces produce wrongful-termination, discrimination, and harassment claims. Defense costs alone on a nuisance claim can reach $40,000. Rikor recommends standalone EPLI at $250,000 for a newer franchisee, scaling with headcount and revenue.

Only if that cleaner carried her own current insurance. Without her certificate, your general liability may invoke a subcontractor exclusion, and her wages are added to your workers' compensation payroll at the year-end audit. The Maid Right agreement explicitly requires subcontractor certificates. Verify them before work starts — not after a claim or an audit bill.

Yes. The Maid Right agreement requires it, and state law requires it for any business with employees. Workers' compensation pays medical bills and lost wages for an injured cleaner; employers liability covers lawsuits outside that system. Carry employers liability at $1,000,000, not the FDD's $500,000 floor. WC misclassification creates a larger audit bill at year-end — it does not affect whether claims are paid.

A complete program for a cleaning franchise with eight to fifteen employees — general liability, auto, workers' compensation, crime, EPLI, and care-custody-control — commonly runs $8,000 to $14,000 per year. Workers' compensation is typically the largest line, driven by payroll. Both general liability and workers' compensation are trued up at a year-end audit. Item 7's $2,000 to $5,000 range reflects only the initial deposit to open, not a full annual program.

Name Maid Right, LLC, its parents, subsidiaries, affiliates, successors, and assigns as additional insured on your general liability, auto, and any other required policies. Do not name only "Maid Right" — use the full legal entity name with the additional insured language the franchise agreement specifies.