Every partner carries real insurance.

Contact the partner directly. They performed the work under their own contract and insurance, and their general liability policy is the mechanism that covers the loss. Document the damage as fully as you can — photographs, and appraisals where available. If a partner handles a legitimate claim poorly, that is something Clean Freaks Co wants to know, because it affects whether we keep referring them.

The minimum is set at two million dollars because standard residential cleaning insurance — which often sits at one million dollars or less — is inadequate for homes where a single surface material can exceed a vehicle in value. Whether any particular claim is covered, and at what amount, depends on the specific policy terms, the documented value of the item, and the nature of the damage. We recommend that homeowners keep their own documentation of high-value surfaces — photographs and appraisals where available — before any service visit, as this supports a claim regardless of who the provider is.

No. Clean Freaks Co is a referral service — we are not a party to the service contract between you and the partner, and we are not the insurer. Our role is the referral: we selected this partner and verified their insurance and conduct before referring them. A claim is resolved between you and the partner, through the partner’s insurance. We state this plainly because a clear scope is more useful than an implied guarantee.

General liability insurance covers property damage in the course of the service work — it is not a blanket theft or mysterious-disappearance policy. For high-value portable items in rooms where a crew will be working, the standard precaution is to move those items before the visit or restrict crew access to the room. This is not a commentary on any partner’s character; it is the same precaution a household would take with any service visit.