Do you carry general liability insurance — and can I see the certificate?
Why it matters
This is the most important question on this list. General liability insurance covers property damage that occurs during a cleaning visit — a broken lamp, a cracked countertop, a damaged appliance. Without it, you have no formal recourse if something is damaged in your home. The cleaner can simply dispute your claim and you are left to pursue it informally.
Good Answer
A professional company can email or text you a Certificate of Insurance (COI) within 24 hours. The certificate names the company, lists the coverage amount, and includes an effective date. $1M per occurrence / $2M aggregate is the standard minimum for residential cleaning.
Red Flag
"We're covered" without being able to provide documentation. Verbal assurances are not insurance. If a company cannot produce a COI on request, assume they do not have one.