TWO MAIDS

The 2025 Two Maids franchise agreement (Item 8) requires: Commercial General Liability at $1,000,000 each occurrence and $2,000,000 aggregate (occurrence form, product liability included); Auto Liability at $1,000,000 per vehicle (owned, hired, and non-owned); Workers' Compensation at state limits; Employers Liability at $1,000,000 on all three limits; Employment Practices Liability at $1,000,000 (first and third-party coverage, wage and hour defense sublimit of at least $100,000, claims-made form); a commercial umbrella at $1,000,000 per occurrence (aggregate scaling by location count); and a surety bond at $25,000 for employee theft from customers. Carrier must be A- VII or better (AM Best), admitted. Two Maids Franchising, LLC must be named as additional insured with 30 days advance written notice before cancellation or material change.

Two Maids ties cleaner pay directly to customer satisfaction ratings on a 1–10 scale. A cleaner who receives a low rating earns less on that visit. A cleaner let go after a pattern of low scores can connect her performance rating to her pay and her separation — exactly the factual chain an employment claim is built around. That structural link between customer ratings, wages, and employment status elevates the EPLI risk for Two Maids franchisees specifically, which is why the FDD requires $1,000,000 EPLI with a wage and hour defense sublimit.

Yes — the FDD requires a surety bond at $25,000 for employee theft from customers. A surety bond is a three-party instrument that pays the client if your employee steals from their home, but it typically pays only after proven theft and the surety expects reimbursement from your business afterward. A third-party crime policy at $250,000 on a Loss Discovered form is the stronger instrument for real theft-from-a-home claims. Carry the bond for compliance and the crime policy for actual protection.

No. General liability covers accidents — property damage and bodily injury from operations. Theft is dishonesty, which the standard GL policy excludes. The surety bond (required at $25,000) and a third-party crime policy (Rikor's recommendation at $250,000) are the correct coverages for employee theft from clients.

Yes — and the Two Maids FDD requires it at $1,000,000. In the pay-for-performance model, disputes about pay calculations, unfair ratings, and terminations tied to performance scores are built into operations. A high-turnover cleaning workforce already produces EPLI claims; the performance-pay link makes the exposure higher than a standard cleaning franchise. Carry it as a standalone policy, not a GL sublimit, with the wage and hour defense sublimit explicitly stated.

Care, custody, and control insurance (CCC) — sometimes called bailee coverage — covers damage to a client's property while it is in your cleaners' hands or control. Standard GL contains a care-custody-and-control exclusion that removes coverage for property being actively handled. The Two Maids FDD does not require CCC, but your cleaners handle clients' property every day. Rikor recommends carrying it, sized to the homes your teams service.

A crime policy comes two ways. A loss-sustained form covers theft only if it both happened and was discovered in the same policy period. A loss-discovered form covers theft discovered during the policy period no matter when it started. For a cleaning operation, employee theft typically runs in a slow pattern before it is caught. Loss Discovered means the theft you find today is covered even if it began two policy periods ago. That is the form to ask for by name.

NCCI classification code 9014 — Janitorial and Related Services — is the governing code for residential cleaning. The per-$100 payroll rate for this code is set by your state's rating bureau, not the insurance carrier. NAICS code 561720 (Janitorial Services) applies to this operation. Workers' compensation and general liability are both auditable at year-end against actual payroll.

A complete program for a Two Maids operation with eight to fifteen employees — GL, auto, WC, EPLI, umbrella, third-party crime, and care-custody-and-control coverage — commonly runs $10,000 to $16,000 per year. The EPLI line and the labor-driven workers' compensation premium are the two largest cost factors. Both WC and GL are trued up at a year-end payroll audit, so the final cost depends on what your teams actually earn.