Should You Carry Workers Compensation for a House Cleaner?

Do House Cleaners Need Workers Compensation?

Whether you should carry workers compensation for a house cleaner depends on how the cleaner is classified, your state's laws, and the level of risk involved. In many cases, the answer is yes — especially if the cleaner works regularly for you as an employee rather than an independent contractor.

Understanding the Legal Landscape

Workers compensation laws vary by state. Some states require coverage for any worker who performs regular services in your home, while others exempt domestic employees below a certain earnings threshold. A handful of states have no statutory requirement for domestic workers at all. You must check your state's specific rules before assuming an exemption applies.

Employee vs. Independent Contractor

The distinction matters significantly. If you control the cleaner's schedule, provide equipment, and dictate how the work is performed, the cleaner is likely an employee — and may be entitled to workers compensation benefits. Independent contractors typically carry their own insurance, but misclassification can leave you exposed if an injury occurs and the worker is later deemed an employee.

Risks of Not Carrying Coverage

Without workers compensation, you may be personally liable for medical bills, lost wages, and legal fees if a house cleaner is injured on the job. Even a minor slip-and-fall accident can result in substantial costs. In states that mandate coverage, failing to carry insurance can lead to penalties, fines, and lawsuits.

When Coverage Makes Sense

You should strongly consider workers compensation if you:

• Employ a cleaner full-time or on a regular weekly schedule
• Operate a cleaning business with multiple household employees
• Live in a state with strict domestic worker coverage laws
• Want protection against claims of injury or illness arising from work duties

Exceptions and Alternatives

Occasional or one-time cleaners may fall under personal liability coverage already included in a homeowner's policy. Some insurers also offer domestic worker policies that bundle workers compensation with other protections. If the cleaner is a true independent contractor with their own insurance, your risk is lower — but you should still verify that coverage exists in writing.