Does Cleaning insurance cover employees stealing from clients?

No employer wants to hear that their employees have stolen from clients. However, the right insurance policy can help protect your cleaning business.

Chris Butsch - Writer for NEXT Insurance
By Chris Butsch
Michelle Meyer - Editor for NEXT Insurance
Edited by Michelle Meyer
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Published June 19, 2023.

In short, yes — cleaning insurance can cover employees stealing from clients.

Which specific cleaning insurance policies can protect your business from employee theft?

Naturally, you'll want to protect your business from the fallout of an employee theft conviction. But you need to include the right policies in your cleaning insurance.

Because theft falls under damage caused to someone else's property, general liability insurance for cleaners can help cover employees stealing from clients. This can include coverage for financial losses, fraud, damage to clients' property, libel, and legal fees.

What about other instances of employee theft?

Not all theft is treated the same in the insurance world. If an employee steals from you, the cost of the missing property may be covered by your commercial property insurance, not your general liability insurance.

There's also a common misconception that error and omissions (E&O) insurance might help in theft-related scenarios. It typically doesn't. E&O insurance is designed to help with accidents, not crimes.

» Discover what other theft incidents can be covered by commercial property insurance

Don't let employee theft jeopardize your business

Employee theft can happen at any point and for any reason. Regardless, it can cause damage to a small business — both financially and to its reputation.

But NEXT can have you covered with affordable, tailored business insurance. Get an online instant quote within minutes y simply answering a few questions. Once you purchase the coverage you need, you instantly get your certificate of insurance, and you can share it 24/7 with the NEXT app.

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