Insurance isn’t just a formality for cleaning businesses — it’s protection.
Whether you’re cleaning homes or commercial spaces, the right cover keeps you legally compliant, builds client trust, and protects you financially if something goes wrong.
Here’s what you need to know.
1️⃣ Public Liability Insurance (Essential)
This covers you if you accidentally damage a client’s property or cause injury while working.
Examples:
Damaging a client’s floor
Breaking an item
A client slipping on a wet surface
Most clients won’t hire a cleaner without this cover.
2️⃣ Employer’s Liability Insurance (Legal Requirement)
If you employ staff — even part-time or casual workers — this insurance is legally required in the UK.
It covers claims if an employee is injured or becomes ill due to work.
3️⃣ Professional Indemnity Insurance (Recommended)
This protects you if a client claims:
Poor service
Negligence
Financial loss due to your advice or service
It’s especially useful for commercial contracts.
4️⃣ Tools & Equipment Cover
This protects your cleaning equipment if it’s stolen, damaged, or lost — especially important if you transport tools between jobs.
5️⃣ Why Insurance Matters
✔ Protects your business financially
✔ Helps you win contracts
✔ Builds trust with clients
✔ Keeps you legally compliant
✔ Gives peace of mind
Final Thought
Insurance isn’t an extra cost — it’s an investment in your business’s security and credibility. The right cover allows you to clean confidently, knowing you’re protected.
Tip: Many insurers offer cleaning-specific policies. Choose a cover based on your services, staff size, and contract type.
