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Cleaners insurance

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Find our best cleaning insurance quotes from UK providers:

We do the hard work for you, comparing deals from the biggest providers in the UK so you can find the best possible deal on insurance for domestic cleaners

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What is cleaning business insurance?

When you work in cleaning, your customer’s home or business is under your care. But with slippery surfaces, electrical equipment, and chemical substances in the mix, there’s a lot that can go wrong. To keep the job as risk free as possible, it may be worth considering insurance.

We’ve partnered up with SimplyBusiness to help you find the right insurance options for your cleaning business. These products offer financial support for claims of injury and property damage, legal fees, equipment loss or damage, and more.


What does cleaning insurance cover?

Cleaning insurance has enough options to meet the needs of almost all kinds of cleaners, whether you’re self-employed or own a business.

  • 1

    Public liability insurance

    Protect your business against claims of injury or property damage

  • 2

    Employers liability insurance

    Cover your employees for accident or injury at work 

  • 3

    Business and office equipment insurance

    Cover the cost of damaged or stolen office equipment

  • 4

    Tools insurance

    Insure your important tools and work equipment

  • 5

    Legal expenses insurance

    Cover your business’s legal expenses

  • 6

    Personal accident insurance

    Get personal protection for accident and injury

Why compare cleaners’ insurance with MoneySuperMarket?

At MoneySuperMarket, we’re dedicated to helping businesses find the right insurance deals. We’ve teamed up with Simply Business to compare cleaners insurance policies from a range of lenders so you can find a deal tailored to your needs.

  • Deals tailored to you

    We compare policies from a range of providers to help match deals that meet your needs

  • Find affordable cover in minutes

    Our comparison tools deliver fast results. Just click on the deal you want to buy today

  • Easy and free to use

    Just enter some details about you and your business and we’ll sort out the rest

Do cleaners need insurance?

For the most part, insurance is not a legal requirement to become a cleaner. However, if you have your own cleaning business and have hired employees, it is required by UK law that you have employers liability insurance.

  • Tick


    • Cover damages or injuries caused by your business

    • Help you afford expensive legal fees

    • Protect important equipment your business needs

  • Cross


    • Can be expensive for small businesses or self-employed workers

    • Not all insurance products will be relevant to you

    • You aren’t covered for damages or injuries you caused deliberately

Sean Thompson

Our expert says


Cleaning in every nook and cranny of a client’s home is likely to result in a very satisfied customer. Unfortunately, there’s also the chance that the odd mishap could occur including breakages and property damage. Some of this can be expensive, which is where cleaning insurance can come in, particularly if you run a business that employs a number of staff. 

- Sean Thompson, Insurance Expert

Compare cleaning insurance

It couldn’t be easier to find a great deal on insurance for cleaners with MoneySuperMarket and our preferred partner SimplyBusiness. Here's how it works:

  • Tell us about your business

    Let us know what kind of cleaning you do, and whether you’re self-employed or run a company. We’ll find deals tailored to your requirements

  • Compare deals

    You’ll be able to compare your offers by cost, level of protection, and any extras you might find useful 

  • Choose the one you like

    Once you’ve found a deal you like, simply click through to the provider – they’ll take it from there 

If you are a homeowner hiring a housecleaner, there is typically not a need to buy insurance for your cleaner. However, if you are concerned about the safety of your home and belongings, you may want to confirm that your cleaner is covered by public liability insurance. This insurance will cover the cost of any damages or injuries they may cause in your home. 

In cases where the blame isn’t on the cleaner, you may want to consider home insurance.

Prices for public liability insurance can start at as little as a few pounds a month for basic cover. However, if you are looking for comprehensive cover, your policy may work out to be a bit more expensive.

Generally, the cost of public liability insurance for cleaners will depend on:

  • The level of cover

  • The excess

  • The size of your business

  • Your health and safety record

The fastest way to find out how much it will cost for you is to use our compare too. It’s fast, easy, and accurate.

Professional indemnity insurance will cover a small business or professional if a client claims that they’ve made a mistake or been negligent in their work. This type of insurance is not a legal requirement for cleaners.

While this type of insurance can apply to professionals working across a range of industries, it might not be worth the cost for a cleaner. To protect you from things going wrong at work, public liability insurance may be more relevant to your needs.

Different types of business insurance for cleaners will each have different costs, and prices will be affected by certain details about your business.

For example, employers liability insurance will be affected by how many employees you have. Tools and business equipment insurance prices will be higher if your equipment is expensive to replace or repair.

You can, however, lower the cost of insurance by increasing the excess. This is the amount that you are willing to pay when you make a claim on your policy. 

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.