Cleaner Insurance
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Protect your business with cleaner insurance from Trade Direct Insurance. Our cleaning business insurance options are designed for self-employed cleaners, domestic cleaners and commercial cleaning businesses.
Cleaner insurance explained
Cleaner insurance is a collection of covers designed to help protect cleaning businesses against common risks.
Public liability insurance can help protect your business against costs that might arise from injury to third parties and damage to third party property. Depending on your business, additional cover options may also be available for employees, tools and professional services.
Public liability insurance
A client or member of the public slips shortly after an area has been cleaned and suffers an injury. Public liability insurance can help cover the costs associated with a claim for injury.
Employers’ liability insurance
If you employ staff, employers' liability insurance may be required by law in certain circumstances.
Employers' liability insurance can be included in all TDI cleaner’s insurance packages, with up to £10 million of cover available.
Professional indemnity insurance
Professional indemnity insurance can provide protection if a customer alleges financial loss because of professional advice or recommendations you have provided.
Professional indemnity cover is included within Classic and Plus policies.
Cover is available up to £100,000.
Tools cover
Cleaning businesses often rely on portable tools and equipment to carry out their work.
Tools cover starts at £1,000 and can be increased up to £15,000.
Cover can apply to handheld powered and non-powered portable tools, as well as laptops and tablets used for business purposes, subject to policy terms and conditions.
Temporary total disablement benefit
Available within Plus policies, Temporary Total Disablement Benefit can provide up to £600 per week if an insured person is unable to work due to a covered injury, subject to policy terms and conditions.
Why cleaners need insurance
Cleaning businesses work in homes, offices, retail premises and commercial buildings every day. Even with care and attention, accidents can happen.
A customer could slip on a recently cleaned floor. Equipment could be stolen between jobs. A third party could claim your work caused damage to their property. Public liability insurance can help protect your business from unforeseen costs if an insured event leads to a successful claim against you.
Depending on the cover you select, cleaner insurance can also include protection for employees, tools, professional advice and loss of income following certain injuries.
Whether you're self-employed or run a growing cleaning company, cleaner insurance can help support your business cash flow and finances in the event of a claim.
Common risks faced by cleaners
No two working days are exactly the same. Cleaners regularly work around members of the public, customers, valuable property and specialist cleaning products.
Here are some situations where cleaner insurance can help:
1. A customer slips on a wet floor
A client or member of the public slips shortly after an area has been cleaned and suffers an injury. Public liability insurance can help cover the costs associated with a claim for injury.
2. Accidental damage to third-party property
While carrying out cleaning work, a fixture, fitting or other third-party property is accidentally damaged. Public liability insurance can help cover claims relating to accidental damage to third-party property.
Damage to the item, surface or property being worked on is not covered. For example, if the wrong cleaning product damages a carpet while it is being cleaned, this would not be covered.
3. Theft of tools and equipment
Portable tools or equipment used as part of your cleaning business are stolen from a locked vehicle. Tools cover can help support the cost of replacing insured items.
4. Employee injury
If you employ staff and a team member is injured while working, employers' liability insurance may provide protection against claims brought by employees.
5. Alleged financial loss
A customer claims your work caused financial loss to their business. Third Party Financial Loss cover can provide protection in certain circumstances.
What cleaner insurance can and can’t cover
Understanding what is and isn't covered can help you decide which level of cleaner insurance is right for your business.
What can be covered
✔ Public liability insurance up to £5 million
✔ Tools & equipment cover from £1,000 up to £15,000 (optional)
✔ Legal defence costs covered under the policy following an insured claim
✔ Professional indemnity cover up to £100,000
✔ Injury to third parties arising from your work
✔ Damage to third-party property (excluding items being cleaned or worked on)
✔ Employers’ liability insurance if you employ staff (up to £10 million)
✔ Capital Death Benefit
✔ Optional extras including contract works, owned plant, hired-in plant, stock in transit cover and jury service
What can’t be covered
✘ Damage to the item, surface or property being worked on
✘ Deliberate damage
✘ Wear and tear to tools and equipment
✘ Mechanical breakdown of equipment
✘ Work carried out before your policy start date
✘ Activities not declared within your policy
✘ Items or equipment not covered by your policy
Who is cleaner insurance for?
We provide cleaning business insurance for a wide range of work setups.
This can include:
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Self-employed cleaners
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Domestic cleaners
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Commercial cleaners
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Office cleaners
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End of tenancy cleaners
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Holiday let and Airbnb cleaners
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Contract cleaning businesses
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Cleaning companies with employees
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Sole traders
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Partnerships
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Limited companies
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Limited liability partnerships
Cover is available for businesses with up to 15 employees and turnover up to £3 million.
Multi-trade businesses may also be eligible for cover where cleaning services form part of their work.
Your cleaner insurance cover options
Whether you're a self-employed cleaner or run a growing cleaning business, Trade Direct Insurance offers a range of cover options designed for businesses with up to 15 employees.
Essentials
Our cleaner’s Essentials package includes Public Liability insurance and third party cover for Financial Loss.
✔ Public Liability insurance up to £5 million
✔ Third Party Financial Loss £100,000
✔ Employers' Liability insurance £10 million available
Ideal for: Sole traders and cleaning businesses with up to 15 employees looking for core liability protection.
Classic
Our cleaner’s Classic package builds on Essentials with additional cover for tools and professional advice.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Employers' Liability insurance £10 million available
Ideal for: Cleaning businesses that want additional protection for tools, equipment and professional advice.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
The cleaner’s insurance Plus package is our most comprehensive option and builds on the Classic level of cover.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Temporary Total Disablement Benefit up to £600 a week per person
✔ Employers' Liability insurance £10 million available
Ideal for: Cleaners and cleaning businesses looking for comprehensive cover.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional extras for cleaners
Depending on the type of cleaning work you carry out, additional cover options are available.
Optional extras include:
Contract works
Hired-in plant
Stock in transit cover
Jury service cover
Owned plant
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
How much cleaner insurance do you need?
The level of cover you choose depends on your business and the work you carry out.
Factors that may affect your insurance requirements include:
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Whether you work alone or employ staff
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The value of your tools and equipment
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The types of premises you clean
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Whether you provide domestic or commercial cleaning services
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Contractual insurance requirements
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Any optional covers selected
The cost of cover will depend on your business, your activities and the level of cover chosen.
How to get a cleaner insurance quote
Getting cleaner insurance is straightforward.
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Tell us about your business and the type of cleaning work you carry out.
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Choose the level of cover that matches your business requirements.
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Review your quote and purchase your policy online.
You'll be able to access your policy documents online once your cover is in place.
It's important to remember that cover starts from the date you select when taking out your policy, not from the date a cleaning contract begins.
Cleaner insurance FAQs
Related insurance for cleaners
Van Insurance
Whether you travel between domestic properties or commercial sites, your van plays an important role in your business.
Tools Insurance
Your tools and equipment help keep your business moving.
Tools insurance provides cover for insured tools and equipment up to £15,000, helping support replacement costs if covered items are lost, stolen or damaged.
Carpet cleaning insurance
If you specialise in carpet cleaning services, Trade Direct Insurance offers dedicated cover designed for carpet cleaning businesses.
Get your cleaner insurance quote today
Whether you're a self-employed cleaner, domestic cleaner, commercial cleaner or growing cleaning company, Trade Direct Insurance offers insurance designed for tradespeople and their businesses.
With cover available for businesses with up to 15 employees, public liability insurance up to £5 million and UK-based expert support, you'll have access to straightforward cover designed around the needs of your business.
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Cover for over 70 recognised trades
✔ Public liability insurance up to £5 million
✔ Tools cover up to £15,000
✔ Save 10% with B&Q TradePoint
✔ UK-based expert telephone support
✔ Fast online quote experience