That depends on the person that was injured and the circumstances of the incident. But yes accidents that happen in or around the home can be covered.
You should always carry liability insurance and a surety bond for a cleaning company to protect you and your customers from any accidents that my occur from your work. Both are very cheap Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! State Insurance Department websites: http://www.naic.org/state_web_map.htm
There are a great many different types of business insurance. Most companies will have a general liability insurance which covers the legal and other costs of everyday risks. Beyond this there might be property insurance for any buildings and equipment and liability insurance for products that are sold by the company. Some companies have professional liability insurance to cover any errors or malpractice that might occur.
The cost of liability insurance is not proportional to the amount of protection of insurance because it is based on cost of overhead and payout. The office costs for one policy are the same as for another policy regardless of amount. The other reason has to do with payout. An accident occurred. A driver ran a stop sign and hit another car. The driver that ran the stop sign was at fault. He did $ 5,000 worth of damage to the other car. His insurance covered it. It did not matter if he had $ 10,000 worth of insurance or $ 100,000 worth of insurance. The insurance company still paid $ 5,000. Since most accidents are in that range, most of the costs go to cover that type of accident. Very few accidents occur that would cost $90,000 to fix. The cost of insurance that is against rare events is quite low.
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