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Cleaners insurance
Cleaners insurance from just £4.80^ a month
What is cleaners insurance?
Cleaners insurance is business insurance for self-employed cleaners and cleaning companies. You can combine different types of cover for risks such as damaging a client’s property, a worker being injured or your equipment being stolen.
Employers liability insurance: Covers costs if employees are harmed
Public liability insurance: Covers costs if members of the public are harmed
Tool insurance: Covers costs if equipment is lost, damaged or stolen
Do I need cleaners insurance?
You will usually need employers’ liability insurance if you employ staff, while some clients may also ask you to have public liability insurance before you begin work.
Whether you own a cleaning firm or are a self-employed cleaner, insurance can financially protect you if something goes wrong at work.
Without insurance you could end up paying the related costs yourself if your employee is injured while working, your equipment is stolen, or you are accused of damaging a client's property.
Why should I get cleaners insurance?
Avoid a £2,500 daily fine
If you are a UK business and you have any non-family members working for you then by law you must have employers liability insurance.
Without it, you can be fined up to £2,500 for every day you're not insured
Employers liability insurance covers the compensation costs if a worker becomes ill or injured because of their work for you. This includes ex-employees.
For example, if a worker was exposed to toxins which created health issues years later they could sue their old employer for failing to put adequate health and safety measures in place.
Some clients require you to have insurance
Some clients may ask you to have public liability insurance before they hire you, and many organisations have rules that prevent them from hiring uninsured cleaning companies.
Meet legal duties
If anyone who works for you becomes ill or injured because of their job you could be responsible for the associated costs, including expensive compensation claims.
Employers' liability insurance covers harm caused to employees, contractors, volunteers and anyone else doing any work for you. It's also a legal requirement.
Your equipment damages someone's property
From bleach stains on furniture to knocking over an expensive vase while hoovering, your cleaning equipment could end up causing expensive property damage that owners may expect you to pay for.
Public liability insurance can cover eligible costs if you accidentally damage someone else’s property.
Your equipment is damaged or stolen
Business contents insurance can help you recover the cost of losing company equipment to fire, flood, theft and other disasters. Tool cover can offer similar protection for your expensive cleaning tools.
Legal support if you're sued
You can be taken to court if a client or a member of the public believe they have been physically or financially harmed because of your company's business activities, including if their property is damaged.
Cleaners could be found liable for everything from someone slipping on your mopped floor to a product you've used causing damage to a client's furniture.
Public liability insurance can cover the legal fees and compensation payouts in such cases.
Maintain your income if you take time off work
Income protection insurance can replace part of your income if you can't work because of illness or injury, which could help you manage household bills during this time.
Did you know?
£57 million in insurance claims^
That's how much was paid out in 2025. Without business insurance, those customers would have faced paying that bill themselves.
Why should I use MoneySuperMarket?
Comparing quotes from different insurers allows you to find the best deal out there.
We can do this work for you.
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Save time
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Save money
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What types of cleaners insurance might I need?
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Public liability
Protects you if your work harms members of the public.
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Employers' liability
Protects you if your staff become ill or injured at work.
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Tool insurance
Protects tools from loss, damage, or theft.
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Personal accident insurance
Personal accident insurance protects you if you're injured.
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Business buildings
Protects offices and workplace buildings.
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Business contents
Protects equipment, including in home offices.
How much does cleaners business insurance cost?
Cheapest Annual Price | Average Annual Price | |
|---|---|---|
Domestic cleaners | £57.65 | £61.78 |
Office cleaners | £63.78 | £64.77 |
The table shows the average prices paid by our customers for cleaners' insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
What’s the cheapest price I could pay for cleaners insurance?
£4
.80^ per month
According to our latest data, 10% of customers paid this when taking out an annual cleaners business insurance policy.
How much is the average business insurance claim?
£3,377^
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
What is included in cleaners insurance?
Can be covered | Usually not covered |
|---|---|
✔ Legal expenses | ✖ Intentional harm or damage |
✔ Injuries, deaths and illnesses | ✖ Actions performed under drugs or alcohol |
✔ Stock and business equipment | ✖ Wear and tear |
✔ Business vehicle cover | ✖ Improper use of business vehicles |
✔ Financial loss |
Will my insurance pay out?
88% of our business insurance claims are accepted^
Almost 9 in 10 of business insurance claims made by MoneySuperMarket customers were accepted in the 2024-5 financial year.
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
Frequently asked questions about cleaners insurance
Will a client’s home insurance cover cleaning damage?
It may, but this depends on the client’s policy and what happened - accidental damage cover could pay for eligible damage caused while you are cleaning.
If you have public liability insurance, the client may be able to claim against your policy if you are legally responsible for the damage. However, they may still need to inform their home insurer, and neither policy is guaranteed to cover every incident.
Do I need insurance to clean people's houses?
No, public liability insurance is not usually a legal requirement if you work alone. However, it can cover eligible legal and compensation costs if your work injures someone or damages their property.
If you become an employer, you will usually need employers liability insurance with at least £5 million of cover. Exemptions can apply, depending on who works for you and your business structure. You can be fined £2,500 for every day you're not insured
You may also need suitable motor insurance if you use a vehicle as part of your cleaning business.
Do cleaners need professional indemnity insurance?
Usually not for standard cleaning work - professional indemnity insurance covers claims that your professional advice or services caused a client financial loss.
Public liability insurance is generally more relevant if your main risks involve accidentally damaging property or causing an injury. Professional indemnity may be worth considering if your business also provides services such as cleaning consultancy, workplace audits, staff training or specialist advice.
Which cleaning businesses can I insure?
MoneySuperMarket can show you insurance quotes for a wide range of cleaning professionals, including:
Domestic cleaners: Those who clean private homes.
Commercial cleaners: Those who clean offices, shops, and other commercial properties.
Carpet cleaners: Specialising in cleaning carpets and upholstery.
Window cleaners: Cleaning windows, both residential and commercial.
Specialist cleaners: Such as those cleaning medical facilities, schools, or industrial sites.
What affects the cost of cleaners insurance?
The amount you pay will depend on your business and the cover you choose. Insurers may consider:
The type of cleaning you do
Where you work
Your turnover and number of employees
The types and levels of cover you select
The value of your equipment
Your previous claims
Your chosen excess
A higher excess may reduce your premium, but it also means paying more towards an accepted claim. Compare quotes through MoneySuperMarket to find suitable cover at a price that works for your business.
Our expert says…
Slips, trips and falls are the most common way people get injured at work, accounting for 30% of all non-fatal work injuries in 2025.
^ They're also something cleaners are particularly likely to encounter, given all the slippery surfaces, spilled substances, and loose cables that come with the job. And its not just the cleaners themselves who could get hurt - clients and members of the public are also at risk.Whether you own a cleaning firm or are a self-employed cleaner, an expensive compensation claim could wreck havoc on your business' finances. Investing a little into a good insurance policy now - prices start from just £4.80
^ a month - can make sure you're protected if you need it later.
Beth Leslie Senior Insurance Content Editor
What other trades could I get insurance for?
Compare business insurance quotes from leading UK insurers
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Is business insurance eligible for SuperSaveClub and rewards?
No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Who are Simply Business?
Simply Business is one of the largest insurance brokers in the UK. They work with leading and specialist insurers to provide cover for small business owners, landlords and self-employed workers.
MoneySuperMarket has a commercial partnership with Simply Business. They offer various business and landlord insurance policies from different insurers through our platform, allowing our customers to find affordable quotes and policies that suit your specific needs.
Reviewed on 12 Aug 2026
According to Simply Business data, 10% of customers paid this or less monthly for a domestic cleaner business insurance policy with Simply Business. Figure based on annual quotes.
Simply Business is one of the UK's leading providers of business insurance, serving 1 million customers across 1,500 trades.
According to Simply Business data, 10% of customers paid this or less annually for a domestic cleaner business insurance policy with Simply Business. Figure based on annual quotes.
According to Simply Business data, 51% of customers paid this or less annually for a domestic cleaner business insurance policy with Simply Business. Figure based on annual quotes.
According to Simply Business data, 10% of customers paid this or less annually for an office cleaner business insurance policy with Simply Business. Figure based on annual quotes.
According to Simply Business data, 51% of customers paid this or less annually for an office cleaner business insurance policy with Simply Business. Figure based on annual quotes.
Source: Health and Safety Executive, Summary Statistics for Great Britain 2025 https://www.hse.gov.uk/statistics/causinj/overview.htm
Source: Gov.uk
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
Simply Business data 2025
According to Simply Business data, 10% of customers paid £4.80 or less monthly for public liability insurance policy with Simply Business. Figure based on annual quotes purchased between 1st September-30th November 2024.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
