> ## Documentation Index
> Fetch the complete documentation index at: https://help.zulma.ca/llms.txt
> Use this file to discover all available pages before exploring further.
# Zulma insurance: coverage behind every booking
> Every Zulma booking is backed by real insurance: $5M commercial general liability plus cyber cover, carried by Zulma, with Pros holding their own liability cover. Here's what that means for you.
Every booking made through Zulma is backed by real insurance, not just a policy name dropped in fine print. Here's what covers you, who holds it, how to verify it, and how to report an issue if you ever need to.
## What covers you
**\$5,000,000 Commercial General Liability (CGL)**
Carried by Zulma through Zensurance. This covers third-party property damage and bodily injury arising from negligence while services booked through the platform are performed. If a Pro damages something in your home or on your property while doing the job, this is the coverage that responds.
**\$100,000 cyber coverage**
Also carried by Zulma. This protects the platform and your data in the event of a security incident. Payments themselves run through [Stripe](https://stripe.com), so Zulma never sees your full card number.
**Pros carry their own liability insurance**
Every Pro is vetted before taking jobs, and each one holds their own liability insurance on top of Zulma's coverage. You're protected on two levels: the Pro's own policy and Zulma's \$5M platform policy.
Want the details on how Pros are screened? See [how we vet Pros](/trust/vetting).
## Who holds the policy
Coverage is carried by **Zulma Resources Inc.**, a federally incorporated company operating in Ontario as Zulma Real Estate.
* You can verify the company independently by looking up "Zulma Resources Inc." on the [federal Corporations Canada registry](https://www.ic.gc.ca/app/scr/cc/CorporationsCanada/fdrlCrpSrch.html).
* A certificate of insurance is available on request. Email [hello@zulma.ca](mailto:hello@zulma.ca).
## How to report an issue
If something goes wrong, tell us early and we'll make it right. We work credits-first: the goal is to get the job done properly, not to send you chasing paperwork.
Open the booking and report the issue. The sooner you flag it, the easier it is for us to act. See [report a problem](/account/disputes) for the full walkthrough.
For a quality miss, we send a Pro back to re-clean the specific areas at no charge, or we apply Zulma credit to your account. For property or theft concerns, we open a claim against the appropriate policy and keep you posted.
Time windows matter, so report promptly:
| What happened | When to report |
| ------------------ | ---------------------------------------------------------- |
| Quality was missed | Within 24 hours. Triggers a free re-clean or Zulma credit. |
| Property damage | Within 48 hours of service. |
| Suspected theft | Within 24 hours of service, and report to local police. |
Before a clean begins, do a quick walkthrough with the Pro and point out anything pre-existing: scratched floors, chipped paint, worn surfaces. This protects both you and the Pro if a question comes up later.
A note on remedies: Zulma resolves quality issues with a re-clean or account credit, not a cash refund. If a pre-service hold was placed on your card and the job never happened, that hold is simply released, never charged.
## What isn't covered
* **Pre-existing damage**: anything already present before the Pro arrived is not covered. Before-and-after photos taken at each visit help document the state of your home.
* **Out-of-scope services**: work like carpet steam cleaning, wall painting, and mould remediation isn't a standard Zulma service and isn't covered under the standard CGL policy.
* **Items left unsecured**: please secure cash, jewellery, prescription medications, firearms, and irreplaceable items before the Pro arrives. Items left in the open are presumed not valuable for claim purposes.