Public liability cover built for cleaners, including the trust that comes with holding keys and working unsupervised in other people’s homes and businesses.
Public liability cover built for cleaners, including the trust that comes with holding keys and working unsupervised in other people’s homes and businesses.
Client property damageLoss of keysMissing-item claims
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Cleaner insurance is a combination of covers built around working in other people’s homes and businesses, public liability for accidental damage or injury, employers’ liability if you have staff, and cover for the equipment and products you use.
You’re often trusted with a key or alarm code and left to work unsupervised. That trust is part of the job, and it’s worth having cover that reflects it.
Cleaner insurance can include:
Public liabilityEmployers’ liabilityDamage to client’s propertyLoss of client keysTreatment risk coverBusiness van insurance (separate policy)
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Personal Accident
Covers loss of income if an injury stops you working.
Business Contents
Protects equipment and cleaning products kept at a unit.
Tools & Equipment
Covers vacuum cleaners and other equipment against theft.
What could go wrong on a cleaning job?
What could go wrong on a cleaning job?
Most cleaner claims come from breaking an item while cleaning, losing a client’s keys, or an allegation that something went missing from their property.
Most cleaner claims come from breaking an item while cleaning, losing a client’s keys, or an allegation that something went missing from their property.
| Situation | Usually covered | Worth checking your policy |
|---|---|---|
A cleaning product damages a client’s surface or fabric | Yes, standard public liability | Third-party property damage |
You break an item while cleaning | Yes, standard public liability | Accidental damage to belongings |
You lose a client’s keys or alarm code | Often, check for lost key cover | Cost of locks or re-securing the property |
A client alleges something went missing | Not a liability claim, check your terms carefully | Allegations aren’t automatically covered by liability insurance |
Top Tip
Lost key cover is a small addition that matters more than it sounds, losing a client’s key can mean the cost of changing locks across an entire property.
There’s no fixed price. It depends on whether you clean domestic or commercial properties, whether you have staff, the products you use and your claims history.
Domestic or commercial
Commercial cleaning often carries different risk to domestic work.
Level of cover
Adding lost key cover or a higher limit increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Key-holding
Working unsupervised with client keys can affect how insurers assess risk.
Products used
Stronger cleaning chemicals can affect your risk profile.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get cleaner insurance
How to get cleaner insurance
Getting cleaner insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting cleaner insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your work
Domestic or commercial cleaning, and whether you have staff.
Choose your covers
Public liability, lost key cover and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Cleaner insurance guides
Cleaner insurance guides
Practical advice on cover, key-holding and staying protected.
Practical advice on cover, key-holding and staying protected.
Mobile, Domestic or Office Cleaner? Insurance Mistakes That Cost Real People Thousands
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The Quiet Cost of Cleaning Without Insurance (It’s Not Just the Fine Print)
Running a cleaning business, whether domestic, commercial or mobile, comes with more risks than most realise. Spilled detergent on a marble floor. A cracked vase during an end-of-tenancy deep clean. Even a simple trip hazard from trailing cables.
What Happens When a Client Slips? A Real Look at Risk for Professional Cleaners
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.
Cleaner insurance FAQs
Cleaner insurance FAQs
Straight answers on cover, lost keys, allegations and cost.
Straight answers on cover, lost keys, allegations and cost.
Cleaner insurance is a combination of covers built around working in other people’s homes and businesses: public liability for accidental damage or injury, employers’ liability if you have staff, and cover for lost keys and your equipment.
Still have questions?
Our advisers are here to help you find the right solution.
