Here are five reasons private cleaners can charge less — and why it could cost you more:

❌ No Workers’ Compensation Insurance This is the #1 reason private cleaners are cheaper. At Pristine House Cleaning, we pay ~$100 per employee/month to protect both our workers and you, the homeowner. Most private cleaners skip this. If they get hurt in your home, you may be legally and financially responsible.

❌ No Liability Insurance If something breaks or is damaged in your home, you’re stuck with the bill. We carry full coverage — so you're never left holding the bag.

❌ No Business License or Legal Protections Skipping business registration saves them money, but it removes legal standards and recourse if something goes wrong.

❌ No Payroll Taxes or Employment Protections Private cleaners often work under-the-table — no payroll taxes, no unemployment insurance, no safety training. That might cut their costs, but it increases your risk.

❌ No Background Checks or Vetting We thoroughly screen and train every employee. Private cleaners? Usually no checks, no training — you’re taking them at their word.

⚠️ Cheap up front can cost you big later.

Example: In Kuklinski v. Rodriguez, a homeowner was sued for $75,000+ after a cleaner fell off a ladder. Neither party had workers’ comp — the homeowner was held liable.

🛑 Still planning to hire a private cleaner? Protect yourself:

✅ Disclose any hazards — loose rugs, stairs, lifting tasks

✅ Put it in writing that you warned them about dangers

✅ Ask for proof of liability and workers’ comp insurance

✅ Do not provide ladders, chemicals, or equipment

We don’t expect to win every job on price alone. But we do want you to have all the facts before making a decision.

🧽 Pristine House Cleaning Licensed • Insured • Professional Residential Cleaning Serving Bloomington, Ellettsville, Center Grove, Greenwood & Bargersville, Indiana