THE MAIDS

The 2026 franchise agreement requires: Commercial General Liability at $1,000,000 each occurrence and $2,000,000 aggregate (deductible no greater than $100,000); Vehicle (Commercial Auto) Liability at $1,000,000 combined single limit; Workers' Compensation as required by state law with Employers Liability at $1,000,000; a Third-Party Fidelity Bond at $25,000 covering employee theft from a customer; and All-Risks Property Insurance including fire and extended coverage. Both The Maids International, LLC and The Procter & Gamble Company must be named as additional insured. All carriers must be rated A.M. Best A-VI or better. Coverage must be in place before the SMART Start Training program.

A third-party fidelity bond is a three-party instrument — the surety, your business, and your client — that pays when an employee steals a customer's property. The Maids FDD requires one at $25,000. Two structural weaknesses matter at claim time: most fidelity bonds pay only after a criminal conviction, and the surety expects to be repaid by your business after it pays out. The most common theft accusation in residential cleaning — credible but unprovable — pays nothing under a conviction-based bond. A third-party crime policy pays on a proof-of-loss standard rather than a conviction, and does not seek reimbursement from you. For a four-person team where attribution is nearly impossible, the crime policy is the instrument that actually responds to the claims you will see.

The Maids' 2026 FDD minimums are: GL $1,000,000 per occurrence / $2,000,000 aggregate; commercial auto $1,000,000 combined single limit; workers' compensation at state law; employers liability at $1,000,000; fidelity bond at $25,000; and all-risks property coverage. These minimums satisfy the franchisor. The gap-coverage section explains where they fall short of the exposure a four-person team-based cleaning operation creates.

Both The Maids International, LLC and The Procter & Gamble Company must appear as additional insured on your certificate of insurance. The standard additional insured language for this franchise is: "The Maids International, LLC and The Procter & Gamble Company, their parents, subsidiaries, affiliates, successors, and assigns." Confirm the exact wording with The Maids International, LLC before issuing any certificate — the exact entity spelling matters.

Yes. Workers' compensation is required by the franchise agreement and by state law for any business with employees. For a team-based model with four workers per home, workers' compensation is typically the largest insurance cost because every team member's payroll drives the calculation. The year-end audit reconciles estimated payroll against actual wages and adjusts the premium up or down. Adding one active team adds four workers' wages per job to the auditable base — so workers' compensation costs scale directly with team count.

No. General liability covers accidents — property damage and bodily injury caused unintentionally. Theft by your own employee is dishonesty, and the standard policy excludes it. The third-party fidelity bond or a third-party crime policy is the right coverage. For a four-person team where attribution is difficult and a conviction-based bond may pay nothing on an unprovable accusation, a third-party crime policy at $250,000 with a Loss Discovered form is the instrument that actually responds.

This is the most common version of the theft claim in residential cleaning, and it is the scenario the standard fidelity bond handles most poorly. A bond requiring conviction pays nothing on an accusation without proof. A third-party crime policy with the right endorsement can respond to a credible third-party loss claim without requiring a criminal conviction. For a four-person team where attribution is nearly impossible, the crime policy closes the gap that a conviction-based bond leaves wide open.

The Maids FDD does not require it — which is a notable gap. A team-based cleaning operation with high turnover, multiple workers in clients' homes, and constant hiring and letting-go is exactly the profile that produces employment claims. Wrongful termination, discrimination, harassment between team members, and wage disputes are common in labor-intensive residential cleaning. Rikor recommends a standalone Employment Practices Liability Insurance policy at $250,000 as a starting point, scaling with headcount. The FDD's silence on EPLI is a gap in the program, not a signal that the exposure is absent.

NCCI code 9014 — Janitorial Services, by Contractor — is the primary workers' compensation classification for residential cleaning franchises including The Maids. The rate for this code is set by your state's rating bureau, not by your carrier. For a four-person team model, total payroll per job is higher than a single-cleaner operation serving the same client accounts. Getting the payroll estimate right at policy start — and requesting a mid-term adjustment when team count grows mid-year — reduces the audit-bill exposure at year end.