Insurance for cleaners
What does cleaning insurance cover?
From slippery floors and vacuum wires to valuable items and harsh chemicals – cleaning can be a risky business and getting into a dispute with a client could get messy.
Whether you work solo or employ a crew, our cleaners insurance provides essential cover to protect your business from accidents, injury, damage to property and more.
- Adjust or cancel anytime, without being charged
- Choose from £1m, £2m, or £5m of public liability cover
- Flexible monthly subscription
- Instant policy documents
Get cleaning insurance in less than 10 minutes
Change or cancel it at any time. No penalties.
What insurance does a cleaner need?
Public liability insurance
If you regularly enter clients’ homes or work around the public at commercial properties, public liability insurance for cleaners is essential for your business. If an accidental injury or property damage happens as a result of your cleaning work, public liability can cover the legal and compensation costs if someone were to make a claim against you.
Contents and equipment insurance
Cleaning takes a lot of equipment to get the job done and keep your business running, so protecting it all is important. If your cleaning equipment gets stolen or is accidentally damaged, contents and equipment insurance covers the cost of repairing or replacing it, so you don’t lose out on a day’s work.
Employers' liability insurance
Whether full-time, part-time or temporary – if you employ one or more people, employers’ liability (EL) cover is a legal requirement for your business. Our flexible insurance means you can easily make changes to your policy regarding the number of employees you have and you won't be charged any fees.
Personal accident cover
If you or your employees suffer an accident that affects your ability to work, personal accident insurance will pay compensation to cover your earnings until you get back on your feet.
Hired-in machinery cover
As a cleaning business, you might have to hire some specialist equipment from time to time. If you do, we can add extra cover to your policy to protect hired-in machinery from theft or damage.
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Cleaning insurance FAQs
If you employ staff, employers’ liability insurance is a legal requirement for UK businesses.
It doesn't matter if it's one person or a team of people, if you're not covered for employers’ liability and you have employees, you could be fined up to £2,500 for every day that you didn’t have it.
While not a legal requirement, many cleaning companies find public liability essential to protect their business. This is because you regularly come into contact with other peoples’ property. Some clients may even insist that you have this insurance before taking you on.
Our quotes start from as little as £5.13 a month. The cost of insurance for a cleaning company or sole trader varies depending on factors such as revenue, number or employees and how much cover you’d like. To get an idea of how much your monthly premiums would be, we'd recommend starting a quote. There's no obligation and it only take a few minutes.
Yes, switching from a sole trader to limited company may affect your premiums as the legal structure of your business is changing and we usually provide additional cover for limited companies.
Yes, as long as your business is based in the UK, we can provide cleaning liability insurance for work anywhere in the world.
All types of employee can be covered under the same policy for the same risks with Superscript’s employers’ liability. So, whether they’re full-time, part-time, subcontractors or agency staff, we have suitable cover for you.
Yes. We offer a range of cleaning insurance policies including:
– Domestic properties only
– Domestic properties plus commercial properties, such as shops and offices
– Domestic and commercial properties with additional cover for hazardous locations
Yes, as long as the products aren't homemade or rebranded and are kept at your business premises, we can add stock cover to your policy. And, if you have contents and equipment insurance, we can also protect your stock against theft from your vehicle if it’s left unattended.