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Cleaning Insurance
Compare cleaning business insurance
Business insurance for self-employed cleaners and cleaning businesses
Protect against claims made by the public, clients or employees
Compare quotes for tailored cover. Hassle-free. No jargon.
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for limited companies, sole traders and more
Get tailored cover to protect against claims from customers & and the public
Get the protection you need with no needless extras that you don’t want
What is...
cleaning business insurance?
Whether you run a cleaning business or are a self-employed cleaner, having sufficient cover when working in client’s homes and businesses is crucial. Even simple activities like mopping, scrubbing, and polishing with chemical products can cause accidental damage. That’s why it’s best to have your back covered should the worst ever happen.
Having the right cover can help when things go wrong and helps provide a financial safety net. Cleaners’ insurance can help protect against unforeseen events and provides peace of mind as you go about your work.
Why do cleaners need insurance?
Cleaning comes with various risks, so it’s important you have the right cover in place. For example:
- Your expensive cleaning tools and equipment could be stolen without tools cover
- You could accidentally damage a client’s property or contents during a job
- You could injure yourself, your employees or a member of the public could get injured
Some cleaning clients may insist on you having the right insurance in place before working with you, therefore it’s key for securing new business.
What type of cleaning businesses need insurance?
Whether you own a family-run cleaning business, are a contractor, self employed or anything in between, you should consider insurance. We can help arrange cover for the following cleaning professions:
- Domestic/house cleaners
- Commercial cleaners
- Window cleaners
- Carpet cleaning services
- Housekeepers
- Dry cleaning
- Vehicle cleaning/car washes
- Event cleaning
- Chimney cleaners
- Pressure washing
- End of tenancy cleaners
- Janitor services
- Construction clean-ups
Is your cleaning profession not listed? We could still help arrange cover for you. Get in touch with us today and our insurance team will be on hand to guide you through the options.
What insurance cover can cleaners get?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
Covers injury or damages as a result of your cleaning services.
Tool or machinery insurance
Protects against the cost of damaged, lost or stolen cleaning tools and equipment.
Stock insurance
Cover for stock including sprays, trolleys, mops and more against theft, or if your stock is damaged by an insured event
What isn’t covered by cleaning insurance?
Even if you have sufficient coverage, not all events may not be covered, and in some instances, you are unlikely to make a successful claim:
- Your policies won’t include cover for tools or equipment damaged by wear and tear. This kind of damage wouldn’t be covered by personal tool insurance in the UK either. If your tools are still within their warranty period, this may help if they’re damaged in this way.
- Some insurers will also have a ‘single item limit’, which places an upper limit on the value of any single item of equipment you can make an insurance claim for.
- Deliberate acts and irresponsible behaviour, like drinking on the job, are likely to go against you when submitting a claim.
Remember, every insurer is different, and policies vary per provider. Find out what types of cover you need by starting a quote online today.
Do you need insurance as a self-employed cleaner?
Although not required by law, public liability insurance is key to protecting yourself and your business in case someone makes a claim against you, and you have to pay out of your own pocket to settle.
Some clients may also refuse to work with you without sufficient insurance in place. You may be required to show proof of insurance on request before securing new work.
Get cleaner’s insurance sorted with Bionic
At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover.
Our knowledgeable insurance team work with a panel of trusted insurers to find you the right cover. Start a quote online to compare business insurance providers today.
“From spills to slip-ups, cleaning professionals face unique risks. The right insurance can tackles workplace challenges, protecting your business and reputation."
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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