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Cleaners insurance is specialised business insurance for companies and individuals who clean other people's offices and homes.
You can buy different types of business insurance:
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
🚩 Employers liability insurance is a legal requirement if you have staff
🚩Clients may insist you have public liability insurance
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 some very high costs if your employee is injured while working, your equipment is stolen, or you are accused of damaging a client's property.
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[3].
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 toxics which created health issues years later they could sue their old employer for failing to put adequate health and safety measures in place.
Some people may be wary about hiring in domestic workers who do not have comprehensive public liability insurance policies in place, and many organisations have policies prohibiting them from hiring uninsured cleaning companies.
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.
From bleach stains on fancy furniture to knocking over an expensive vase while hoovering, the tools of your trade could end up causing expensive property damage that owners may expect you to pay for.
Public liability insurance will pay the costs of accidental damage to other people's property, whether that's a client, supplier or member of the public.
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.
You can be taken to court if a client or a member or 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.
Income protection insurance or key person insurance can replace your salary if you have to take time off work for ill health, so you don't have to worry about paying your bills or maintaining the lifestyle of your family.
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
Comparing quotes from different insurers allows you to find the best deal out there.
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Public liability insurance protects you if your work harms members of the public.
Employers’ liability insurance protects you if your staff become ill or injured at work.
Tool insurance protects tools from loss, damage, or theft.
Personal accident insurance protects you if you're injured.
Commercial building insurance protects offices and workplace buildings.
Business contents insurance protects equipment, including in home offices.
Cheapest Annual Price | Average Annual Price | |
|---|---|---|
Domestic cleaners | £57.65[7] | £61.78[8] |
Office cleaners | £63.78[9] | £64.77[10] |
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.
According to our latest data, 10% of customers paid this when taking out an annual cleaners business insurance policy.
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out 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 |
Almost 9 in 10 of business insurance claims made by MoneySuperMarket customers were accepted last 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.
It depends on the home insurance policy and the claim:
Policies with accidental damage cover will usually pay out for damage your cleaner causes to your possessions
You are unlikely to be covered for theft by cleaners (as with anyone you voluntarily let into your home)
Some home insurance will cover costs associated with your the cleaner getting hurt or having their property damaged while in your home
Your cleaner may also hold their own public liability insurance. This covers any mistakes they make and damage they cause, and means you do not have to claim on your own insurance and lose your no-claims discount.
If you work alone there is no legal requirement to take out business insurance. But without it you could be personally responsible for paying all the costs if something goes wrong. In particular, public liability insurance can protect you if someone gets hurt or their stuff is damaged because of your cleaning.
If you have any non-family members working for you, even if you don't pay them, you must take out employers liability insurance. Without it you can be fined £2,500 for every day you are not insured.
If you are a self-employed cleaner, probably not. Professional indemnity insurance covers financial losses from professional mistakes such as giving negligent advice, breaking confidentiality and defamation.
Cleaners are much more likely to need cover for accidentally damaging someone's property or being held responsible for someone injuring themselves. Public liability insurance covers these sorts of problems.
If you run a cleaning business which handles a lot of client data or provides consulting or advisory services, then professional indemnity insurance may be a useful add on for you.
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.
Prices for domestic cleaners start at £4.80[1] a month. Prices for commercial cleaners are slightly higher, starting at £5.32[14] a month.
Different types of business insurance for cleaners will each have different costs, and prices will be affected by certain details about your business.
You can find cheaper business insurance by comparing quotes, removing unwanted extras, and increasing your excess (the amount you'll pay towards any claim).
Slips, trips and falls are the most common way people get injured at work, accounting for 31% of all non-fatal work injuries in 2024. [15] 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[1] a month - can make sure you're protected if you need it later.
Jake Edmonds Insurance Expert
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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.
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.
Source: Gov.uk
Simply Business data 2024
YouGov Survey 1st October 2023 to 30th September 2024. Net recommended score derived from “Which of the following online service website would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=19272, CompareTheMarket n=17631, Go.Compare n=10457, Confused.com n= 8421, Uswitch n=681)
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.
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.
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 in September 2024.
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
According to Simply Business data, 10% of customers paid this or less monthly for a commercial cleaner business insurance policy with Simply Business. Figure based on annual quotes.
Source: Health and Safety Executive, Summary Statistics for Great Britain 2024
