Cleaners face a unique set of risks, particularly when working in client homes or commercial premises. A freshly mopped floor might be spotless, but it can also become a hazard. If someone slips and is injured, questions of liability often follow.

In this guide, we explore the real risks faced by cleaners, the types of cleaner insurance that could offer protection, and the common scenarios that highlight the value of the right cover.

Why Liability Claims Are a Real Concern for Cleaners

Slips, trips, and chemical spills are among the most frequent causes of injury linked to cleaning services. Whether working alone or as part of a team, any incident involving a client, visitor, or member of the public could lead to a compensation claim.

These situations can escalate quickly. Even when the cleaner was not directly at fault, they could still be held responsible. In such cases, the financial implications might include legal fees, compensation payouts, and business interruption.

This is why public liability insurance for cleaners is widely recommended.

What Is Public Liability Insurance and How Can It Help?

Public liability cover is designed to support businesses if a third party claims for injury or damage resulting from their work. For cleaners, this could include:

• A client slipping on a wet floor without visible signage

• Damage to carpets or upholstery caused by cleaning products

• Accidental breakage of customer property during routine cleaning

If a claim is made, this cover could help with legal defence costs and any settlement that follows, subject to the terms of the policy.

While public liability cover is not a legal requirement, many clients expect it as a condition of working on-site. Without it, cleaners may find themselves exposed to significant risk.

Other Key Covers for Professional Cleaners

Employers’ Liability Insurance

If you hire staff, even on a part-time or casual basis, you may be legally required to have employers’ liability cover. This can help protect against claims made by employees who suffer injury or illness as a result of their work.

Tools and Equipment Cover

Cleaning equipment is often transported between jobs and used in various environments. If your vacuums, steam cleaners, or other tools are lost, stolen, or damaged, having the right cover could keep you working with minimal disruption.

Personal Accident Cover

Injuries happen, and cleaners often work in physically demanding roles. Personal accident insurance could provide financial support if you are unable to work following an accident, helping to cover lost income during recovery.

Real-World Risks: A Cautionary Tale

Imagine a cleaner finishes mopping a marble floor in a residential hallway. A visitor enters, unaware of the hazard, and slips, fracturing their wrist. The homeowner later receives a legal letter, and the cleaner is named in the claim.

If the cleaner holds public liability cover, the insurer could handle the legal process and any resulting costs. If not, the cleaner could face the financial impact directly.

These are not rare occurrences. They underline the need to review and understand your insurance position before stepping into a client’s premises.

What Cleaners Should Consider When Choosing Insurance

No two cleaning businesses are the same. A sole trader offering domestic cleaning may need different cover than a team servicing commercial sites.

Questions to ask might include:

• Are you working with chemicals that could damage surfaces or fabrics?

• Do you employ staff, even on a casual basis?

• Are you transporting expensive equipment between sites?

• Could your work cause delays or disruption for the client?

We support cleaners by helping them find cover that suits their working style and the specific risks they face.