Cleaner Insurance
Cleaners often work in a variety of environments such as homes, offices, commercial properties, and industrial spaces. Cleaner insurance can help protect against the everyday risks involved in cleaning work, such as public liability claims, accidental damage, and theft or loss of cleaning equipment.
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Call us or complete our online quote form. We’ll collect a few key details about your business.
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We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.
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We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.
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What Is Cleaner Insurance?
Cleaner insurance is a tailored business insurance solution designed to help protect cleaning professionals and cleaning businesses from the financial risks associated with their work. Whether you provide domestic, commercial, industrial, or specialist cleaning services, cleaner insurance can be arranged to help cover public liability claims, damage to property, theft of equipment, personal injury, and potential business disruptions.
Who May Need Cleaner Insurance?
Cleaner insurance can suit a wide range of professionals and businesses, including:
- Self-employed domestic cleaners
- Commercial cleaning companies
- Office and retail space cleaners
- Carpet, window, and specialist cleaners
- Industrial and construction site cleaners
- Cleaners contracted by landlords or estate agents
Whether you provide services independently or run a team, cleaner insurance can be tailored to your daily activities and working environment.
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What Can Cleaner Insurance Cover?
1. Public Liability Insurance
Public liability insurance can offer protection if a customer, a member of the public, or a third party suffers injury or property damage linked to your cleaning activities. This is widely regarded as essential for self-employed cleaners and cleaning businesses.
2. Employers’ Liability Insurance
Employers’ liability insurance can be legally required if you employ staff, subcontractors, or apprentices. It can provide cover if an employee claims compensation for a work-related injury or illness.
3. Cleaning Equipment and Tools Insurance
Tools and equipment insurance can help cover cleaning equipment, vacuum cleaners, carpet cleaners, pressure washers, and other essential tools against theft, loss, or accidental damage.
4. Business Interruption Insurance
Business interruption insurance can provide financial support if your cleaning business is temporarily unable to operate due to an insured event such as theft, fire, or flooding.
5. Personal Accident Cover
Personal accident insurance can offer financial support if you are unable to work due to injury, helping with potential income loss during your recovery.
FAQs
Public liability insurance is not legally required but is highly recommended for cleaners who work in customer homes, commercial spaces, or public buildings, where third-party claims could arise.
Cleaning equipment can often be covered while stored in vehicles overnight, provided specific security conditions are met, such as alarmed vehicles or secure parking.
Employers’ liability insurance is usually required by law if you employ staff or subcontractors who work under your supervision.
Yes, key loss insurance can be included in cleaner insurance policies to help cover the cost of replacing locks and keys if you misplace client keys.
Yes, self-employed cleaners can include personal accident cover to help support their income if they are unable to work due to an injury.