Some states and municipalities require housecleaning businesses to have a license and insurance, but many do not, states the Houston Chronicle. Housecleaning providers must check with their state and local governments to find out the requirements. Some providers choose to become insured and bonded to protect their businesses.
Housecleaning business insurance covers the service provider in case of injury, while bonding protects the homeowner's property, explains Minute Women House Cleaning. An uninsured cleaner can sue the homeowner if she becomes injured. If property is damaged or stolen when the provider is in the home, the homeowner can file a claim and the bonding company pays it on behalf of the housecleaning business.