MAIDPRO

The 2025 MaidPro franchise agreement (Section 10 and Item 8) requires: Commercial General Liability at $500,000 combined single limit on an occurrence form with a broad form general liability endorsement, primary and non-contributory; Business Auto at $1,000,000 CSL covering hired and non-owned vehicles; Workers Compensation at state-required statutory limits; Employers Liability at $1,000,000 each accident / $1,000,000 disease each employee / $1,000,000 disease policy limit; and a Third-Party Bond at $25,000 per loss. MaidPro, LLC and all Indemnitees must be named as additional insured on GL, with 30 days cancellation notice by endorsement. No cyber liability or EPLI is required by the FDD.

A janitorial bond is a three-party fidelity instrument that pays a client when your employee steals their property — but only after criminal conviction in most cases, and the surety then seeks reimbursement from your business. MaidPro's FDD requires a $25,000 third-party bond. Carry it for compliance. Pair it with a third-party commercial crime policy at $250,000 on a Loss Discovered form for real protection, because the bond's conviction requirement and reimbursement structure mean it often pays nothing on a real accusation.

A bond is a three-party surety instrument that often requires conviction before paying and then seeks reimbursement from your business. A commercial crime policy is a two-party insurance contract that pays on a proof-of-loss standard without a conviction and without clawing the money back. For a residential cleaning franchise where a credible accusation with no proof is the most common scenario, the crime policy is the instrument that responds. The MaidPro FDD requires the bond — a crime policy is the upgrade.

A Loss Discovered crime policy covers theft that is found during the policy period, no matter when it started. A Loss Sustained policy covers theft only if it both occurred and was found in the same policy term. Cleaning theft is usually a quiet pattern discovered long after it begins — often after an employee has already left. Loss Discovered is the form that responds to that reality. Ask for it by name.

Not without a cyber liability policy — and MaidPro's FDD requires none. A breach of client payment data, home addresses, or booking records triggers state breach-notification obligations that cost money before the first lawsuit is filed. Cyber liability covers the investigation, the notification, the credit monitoring, and third-party claims from affected clients. Rikor recommends $250,000 for a newer MaidPro franchisee.

Standard general liability often excludes the cost of re-keying locks or replacing electronic access credentials, treating it as neither bodily injury nor covered property damage. A lost-key or key-and-lock replacement endorsement is the coverage written for this specific situation. Add it before you hold master keys or fobs for multi-unit or commercial clients.

The FDD does not require employment practices liability insurance (EPLI), but your operation generates the exposure regardless. A high-turnover in-home cleaning workforce produces wrongful-termination, discrimination, harassment, and wage claims. MaidPro's agreement leaves EPLI entirely out. Rikor recommends standalone EPLI at $250,000, scaling with your headcount and revenue.

Not under standard general liability, which excludes property in your care, custody, or control. Care, custody, and control coverage — sometimes called bailee coverage — is the policy built for accidental damage to a client's property while your cleaners are working on it. It is entirely separate from the bond or crime policy, which only covers theft.

Yes, and MaidPro's franchise agreement requires it at statutory limits. A cleaner who slips at a client's home is a workers compensation claim. Any 1099 cleaner who cannot produce her own current certificate of insurance is added to your payroll at the year-end audit. Misclassifying a 1099 worker creates audit exposure at year-end — not a claim denial at the time of injury.

A complete program for a MaidPro franchise with ten to twenty employees — general liability at raised limits, auto, workers compensation, cyber, third-party crime at a real limit, and EPLI — typically runs $8,000 to $14,000 per year. The workers compensation line is the largest driver, because cleaning is labor-intensive. Both general liability and workers compensation are auditable and reconciled at year-end against actual payroll.