Professional firms are typically bonded and carry comprehensive insurance, including general liability and workers' compensation policies. This means the company assumes full financial responsibility for any accidental damage to the client's property, theft by an employee, or injuries sustained by a cleaner while on the job.2 An individual cleaner is rarely insured to this level. This lack of coverage means that if they break a valuable item, the homeowner must absorb the loss. More critically, if the cleaner is injured on the property, the homeowner could be held personally liable for their medical bills and lost wages