Insurance for Cleaners

Why do cleaners need insurance?

Leaving clients’ spaces spotless is what you do best, but what if something goes wrong? Property damage, accidental injuries, and broken equipment are common risks that can threaten a cleaning contractor’s finances.

Cleaning insurance is designed to protect your small business finances against claims, lawsuits, and unexpected bills that could drain your bank accounts.

Who needs cleaning business insurance?

Whether you’re sprucing up domestic properties or deep cleaning commercial premises, insurance for cleaners can help protect your livelihood.

Occupations that typically consider cleaning insurance include:

• Carpet cleaners
• Commercial cleaners
• Dry cleaning services
• House cleaners
• Laundry services
• Office cleaning services
• Window cleaning

What are the most common insurance policies for cleaners?

Public Liability insurance

There are plenty of things that could go wrong when you’re working in other people’s homes and spaces. Public Liability insurance* can help self-employed cleaners handle events like causing an injury because you forget to display a ‘wet floor’ sign or damaging a bench top after accidentally spilling a cleaning agent on it.

Portable Equipment

Many cleaning contractors rely on equipment, like vacuum cleaners and floor polishers, to do their work. If this equipment were damaged or lost, it could be expensive to replace and interrupt your ability to do your job. Portable Equipment insurance*, available through a Business Insurance policy, can help you protect your tools of the trade.

Personal Accident and Illness insurance

Accidents can happen anywhere, anytime. It could be at work or even when you’re out and about in your spare time. Personal Accident insurance* is there to help you keep the lights on while you’re unable to work.

How much does cleaning insurance cost?

Most cleaners pay less than $75 on average^† for their insurance with BizCover (based on over 6,600 cleaners and cleaning businesses that used us to buy cover in 2023.)

However, the cost of cleaning insurance varies. Insurers consider many factors to determine how much your policies will cost, such as the cleaning services you offer, if your policy covers just you or several employees, or the types of cover you choose.

BizCover makes it easy to compare cleaning insurance and understand how much policies for your domestic services business will cost.