What do cleaners do?

Cleaners come in all shapes and sizes. There are those who work for themselves, people who own their own business with employees, and those who work for agencies. No matter what your business looks like, the end goal is the same; making the customer’s house or business look shiny and new.

Cleaners provide valuable services that make their customers lives easier and their tasks can range anywhere from some light dusting and brushing up, to changing bedding, taking care of clothing and even washing windows and floors!

What is cleaning insurance?

If you run a cleaning business, you know your clients are placing you in a privileged position of trust, and you treat their property and treasured things with the utmost care. Whether you operate solo, or you have employees, you’ve got a lot of responsibilities. You’re busy organising cleaning schedules, acquiring new business and taking care of the daily paperwork, and that’s something worth protecting.

You work hard, so it’s important that all that hard work and effort isn’t jeopardised if an accident were to happen. That’s where your insurance can save the day.

Public liability is the backbone of most business insurance policies for cleaners, protecting you from the consequences of slips, trips and falls that might happen. If a customer or member of the public gets accidentally hurt. You might also consider employer’s liability insurance if your business is expanding and you take on more people.

Do I need insurance for my cleaning business?

No matter where you’re working, you’re going to be interacting with customers and potentially other people and you need insurance to protect you. While it’s not a legal requirement, you stand to lose more than your money if a claim is made against you and you’re not protected.

You stand to lose the business you’ve worked so hard to build, valuable working time, and the customers’ trust. All of this could lead you to losing your business or your livelihood. It’s just not worth the risk.

Here are some examples of the types of incidents that could leave you seriously out of pocket if you don’t have cover like public liability in place:

  • Your client slips on your newly washed floor
  • A member of the public trips over the cable from your hoover
  • You accidentally drop something on an expensive computer
  • You spill something in your customer's home
  • You accidentally scratch or smash a client's window

What type of cleaning businesses do we cover?

Thanks to our range of business insurance products, we can insure a wide range of cleaning businesses, including:

  • Domestic cleaners

Domestic cleaners generally take on any general cleaning which has to be done as part of the day-to-day running of a client’s home.

  • Carpet and curtain cleaners

A carpet cleaner specialises in cleaning carpets throughout a client’s building, removing deeply embedded dirt and stains in carpets and curtains.

  • Office cleaners

Office cleaners specialise in cleaning commercial offices, cleaning floors, surfaces, eating and socialising areas as well sanitising office equipment.

  • Window cleaners**

Window cleaners are responsible for keeping a client’s windows smudge and smear free by ensuring that all windows are clean and in good condition.

Why type of insurance do cleaners need?

Every business is different, and so is their policy. We allow you to tailor your policy to suit exactly what your cleaning business needs.

There are several covers we offer that might suit your needs, any of which you can buy as a standalone product, or pair with out other covers and optional extras as and when you need them.

Public liability insurance for cleaners

Working as a cleaner in private properties – you’re coming up against risks. Visiting client homes, you’re handling some of their most precious possessions and moving around their lives. Maybe someone slips and injures themselves on a floor you’ve cleaned. If they make a claim against you, would you be able to pay costs out of your own pocket? We can also cover you if you do commercial cleaning – shops, offices.

Public liability insurance can help protect you against third-party injury or damage in these situations – helping you cover compensation costs and legal fees as a result of a claim. Whether you’re self-employed or working for a company, it’s an important investment for any business.

With public liability insurance, you’ll get:

  • Up to £5 million protection
  • Temporary staff covered for up to 50 days a year, free
  • Access to a 24-hour legal hotline

Employers' liability insurance for cleaners

If you have any employees who work for you, even if that part-time or on a voluntary basis, then employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969. This cover is there to protect your employees if they get accidentally injured or fall ill as a result of working for you.

As a cleaner, your employees could be working with equipment or around chemicals that could easily lead to an accident if the proper care isn’t taken, so it’s vital you have this cover in place.

with employers' liability insurance, you'll get:

  • Up to £10 million compensation cover
  • Cover for full-time and part time employees
  • Cover extends to self-employed contractors, apprentices and volunteers, or those taking on working experience or training
  • Automatic cover for temporary employees up to 50 man days
  • Legal costs for health and safety law prosecution covered

Busines equipment insurance for cleaners

Whether you work on the small stuff, like dusting and polishing, or you’re responsible for bigger tasks that require more complex equipment, we’ve got you covered.

We know how important your equipment is for keeping your business running day-to-day. Would you be able to afford the cost of replacing them if they’re damaged or stolen? Could you continue your job without them? Not to worry, that’s where we can help.

With business equipment insurance, you’ll get:

  • Protection for laptops, mobiles and other essential equipment
  • Cover available for your own tools, any tools you hire in, and equipment
  • Add to public liability, professional indemnity, contents or employers' liabilty core covers
  • Wide variety of tools and equipment covered

How do I get insurance for my cleaning business?

We know getting insurance for your business might sound complicated. At AXA, we’ve made it our mission to simplify the process for you, letting you get back to taking care of the really messy jobs.

If you’ve already got an idea of the covers you need, that’s great! Simple start a quote online you’ll be one step closer to protecting your business today. If you’re not sure what kind of cover you might need for your business, let us lend a helping hand.

Our Business Insurance Wizard tool helps make choosing the right insurance simple. Our handy tool allows you to enter your profession and answer a few questions about your business and what you do. Once you’re done, you’ll be shown the covers that best match your needs.

How much does cleaning insurance cost?

The price you pay for your policy will be unique to your business. It’ll depend on the covers you chose to take out with us, combined with some key factors about your business.

The quickest and easiest way to find out what your price would be is to get a quote with us – and if you chose to get a quote online, you’ll also save 10% on the cost of your policy.

Ready to get started?

Get a business insurance quote


What insurance do I need for my cleaning business?

At AXA you can choose from our standard business insurance, which can include public liability and employers’ liability insurance.

Public liability insurance

This will cover your legal liability for accidental injury or property damage claims made against your cleaning business.

Find out more about public liability insurance

Employers’ liability insurance

If you have anyone working under your supervision, including full-time, part-time staff, volunteers or apprentices, you’re legally required to have this cover.

Find out more about employers liability insurance


Van insurance

If you use a van for work we can cover you and help keep you on the road, with accident recovery, roadside repairs and a guaranteed courtesy van4.

And if you protect your cleaning business online with AXA, you'll also get a 10% discount.

Find out more about van insurance

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*Based on 14,903 reviews. Accurate as of 28 Apr 2022.

**There is no height restriction for window cleaners, there is however a restriction on the type of lifting equipment that you can use which limits the height that you can work at. 

4When your van is under repair at an approved garage following an accident.