Cleaners Insurance
Cleaning insurance, starting at less than £59* per year
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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, cleaners insurance helps professionals like you protect your finances. Unexpected incidents such as injuries and theft can always strike without warning, meaning a comprehensive cleaners insurance policy is vital.
The first class cleaners 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 cleaners 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.
What’s included with our Automatic Covers
Learn more about our Optional Covers
Your 60 Second Guide to Cleaner’s insurance
How our cleaners insurance works
Complete our simple quote form with basic details about your business
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
Understanding public liability insurance for cleaners
When buying cleaners 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 cleaners insurance, you’re covered for any of the sums you’d have to pay if a claim was made against you.
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.
Get a quoteCleaners insurance quote examples
£58.76 / 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 £2,000,000
- Financial Loss £10,000
- Products Liability £2,000,000
- 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
£26.02 / month £409.32 / 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 17/05/23. 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 cleaner’s 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 | 10% of claim value(£2,500 minimum) |
| 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
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
Monthly Instalments
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Instant Cover
No need to wait for your documents. Our tradesman cover starts from the date you select.
Added Protection
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
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Cleaners Insurance: Frequently Asked Questions
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 cleaners insurance policies. 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
The majority of cleaners 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.
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.
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.
To make a claim on your cleaners insurance policy, 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
- Window Cleaner’s Insurance Public liability insurance for a window cleaner, for less than £59* per year Read more
- Commercial Cleaning Insurance Public liability insurance for commercial cleaners for less than £62* per year Read more
- Carpet Cleaner’s Insurance Public liability insurance for carpet cleaners, for less than £59* per year Read more
- Drain Cleaner’s Insurance Public liability insurance for a drain cleaner, for less than £59* per year Read more
- Curtain Cleaner’s Insurance Public liability insurance for a curtain cleaner, for less than £59* per year Read more
- Upholstery Cleaner’s Insurance Public liability insurance for upholstery cleaners for less than £59* per year Read more
- Wheelie Bin Cleaner’s Insurance Public liability insurance for wheelie bin cleaners for less than £59* per year Read more
- Swimming Pool Cleaner’s Insurance Liability insurance for swimming pool cleaners for less than £59* per year Read more
- Office Cleaners insurance Public liability insurance for office cleaners, starting at £59* per year Read more
