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Cleaners Insurance

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Tradesman Saver’s Cleaners Insurance Cover


Our standard cover is:

  • Up to £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Whether you’re a cleaning contractor, drain cleaner, swimming pool cleaner or something else, insurance helps professionals like you protect your finances. Unexpected incidents such as injuries and theft can always strike without warning, meaning a comprehensive cleaning business insurance policy is vital.

The first class insurance packages from Tradesman Saver feature all the key covers you may need, including public liability insurance, products liability insurance and employer’s liability insurance. This ensures that, no matter what happens, you’re protected from any accidents that occur.

Why do you need cleaning business insurance?

While most cleaning jobs will go off without a hitch, there’s always the risk of an accident impacting you or your staff, something that makes insurance for your cleaning services vital. This will bring you peace of mind, and allows you do what you do best without worrying that one incident will ruin you financially. What’s more, customers are much more likely to work with you, as being insured shows you’re trustworthy and take your work seriously. 

Whether it’s domestic or commercial cleaning business insurance you need, we keep the cost of cover low at Tradesman Saver, as we believe every business should be able to afford insurance. To get insurance for your cleaning business that’s tailored towards your needs, fill out our online form today.

Get a Quote  Learn about Public Liability

Your 60 Second Guide to Cleaner’s insurance

How our cleaners insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for cleaners

When buying cleaning business insurance, you’ll hear various terms thrown around, though the one you’ll likely hear the most is ‘public liability cover’. This is the bedrock of any insurance policy, covering injury to third parties and damage to their property. As such, it safeguards you from claims made against you by your clients or members of the public. This could cover situations including:

  • Accidentally knocking over and damaging your client’s TV while you’re dusting
  • Injuring a client who tripped over your cleaning equipment
  • A member of the public slipped on a wet floor you were cleaning after you forgot to put up a sign and is injured

Why do cleaners need public liability insurance?

Working as a cleaner isn’t easy, and in the above scenarios, a hefty compensation claim against you could make things even more difficult. However, with Tradesman Saver’s insurance for cleaners, you’re covered for any of the sums you’d have to pay if a claim was made against you.

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interior of a modern office

Extra Optional Covers for Cleaning Insurance

Loss of Keys

As a cleaner, clients could temporarily loan you their keys so you can work while they’re not there. However, if these accidentally get lost, you could be made responsible for paying for new locks or other expensive security features.

This is why we offer cover for the loss of keys as part of our cleaners insurance package. We take care of the cost of replacing keys, locks or passcards, and also handle any financial compensation resulting from your client’s inability to access their property. This cover extends to £50,000, though it is only available to domestic and office cleaners.

Unauthorised Use of Telephones

We also cover the cost of any compensation associated with the unauthorised use of your client’s telephone, by either you or your employee.

This extends up to £5,000 during any one period of insurance, but will not pay the first £250 in respect of each claim. The coverage is optional and can only be taken by domestic and office cleaners.

How much does cleaner’s insurance cost?

A number of factors can affect how much your insurance costs, including:

  • The nature of your business
  • How long you have been in business
  • The size of your clients
  • The length of your contracts
  • How much cover you require for each kind of insurance

We will ask you to disclose all relevant information when you apply for a Tradesman Saver quote.

Our Tradesman Saver policy for cleaners includes lots of extra covers as standard, including legal expenses, financial loss and accidental death cover. This gives you some of the most comprehensive coverage available at a price that you’ll struggle to find elsewhere.

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Prices start from £53.76

Cleaners insurance quote examples

£53.76 / year A domestic cleaner working in customer’s homes
  • Sole trader
  • No employees
  • 5 years experience
  • Based in Devon
  • No claims

Automatic Covers

  • Public Liability £1,000,000
  • Financial Loss £10,000
  • Products Liability £1,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident Not Insured
  • Employers Liability Not Insured
  • Tools / Equipment Not Insured
  • Contract Works Not Insured
  • Professional Indemnity Not Insured
£36.22 / month £406.56 / year A commercial cleaning company
  • Limited Company
  • 2 Employees
  • 5 years experience
  • Based in London
  • No claims

Automatic Covers

  • Public Liability £5,000,000
  • Financial Loss £10,000
  • Products Liability £5,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident £50,000
  • Employers Liability £10,000,000
  • Tools / Equipment Not Insured
  • Contract Works Not Insured
  • Professional Indemnity Not Insured

The above quote examples were taken from our online system on 30/01/24 and include insurance premium tax but exclude our £5 admin charge.  These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.

What is the excess under a cleaning business insurance policy?

Most insurance policies feature an excess, which is the amount you agree to pay towards a claim. Check out the standard excesses under a Tradesman Saver cleaners insurance policy below, though be sure to look at your own quote to see exactly what applies to your policy. This is because the excess can vary depending on the exact kind of work you do.

Insurance cover Excess
Public Liability £250
Products Liability £250
Employers Liability No Excess
Financial Loss 10% of claim value(£2,500 minimum)
Professional Indemnity £250
Contract Works £250(£500 Theft/Malicious Damage)
Tools / Equipment £100(£250 Unattended vehicle)
Legal Expenses No Excess

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Cleaners Insurance: Frequently Asked Questions

What does cleaners insurance cover?

Cleaners insurance isn’t one single thing, and encompasses a range of different covers. Here at Tradesman Saver, we include products and public liability, financial loss, accidental death, and legal expenses cover as standard in all of our insurance policies for cleaners. In addition to employer’s liability, we also provide optional cover for:

  • Tools and equipment
  • Short term income protection
  • Personal accident
  • Business contents
  • Professional indemnity
  • Contractors all risks
How long do Tradesman Saver’s insurance policies last?

The majority of insurance policies last for twelve months, with the option to renew annually. Customers are able to make a claim for damages or injuries at any point, provided they can prove that their policy was valid at the time of the incident in question.

What types of cleaners do you insure?

From domestic and commercial cleaners, to swimming pool and window cleaners, we insure most types of cleaners here at Tradesman Saver. So, no matter your exact profession, you’re sure to get the cover you need.

What information do I need to provide to apply for insurance?

You must provide basic information such as your name, address and the type of work you do. You’ll likely also have to disclose details on the size of your business, which involves giving information on your annual turnover and how many employees you have.

How do I claim on my insurance policy?

To make a claim on your insurance policy for cleaners,  check you’re eligible to make a claim by finding the dates covered by your policy, and that you’re covered for what you’re claiming. You should also check what the excess is. Next, contact us as soon as possible to let us know what has happened, and we’ll take it from there. We’ll liaise with your insurers who will check if your claim is valid or not before settling it.

Other Cleaning Trades We Cover

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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