Insurance for cleaners starting from £55 per year
Not on comparison sites — save money by coming direct to us
Compare QuotesCleaners insurance is a package of business cover built around public liability, protecting you if your cleaning work injures someone or damages property. It then adds the risks of working unsupervised in other people’s homes and premises. Damage to the item you were paid to clean. Lost client keys. Harm caused by the chemicals you use, and theft by a member of your own team.
Cleaner Saver is the cleaning brand of Tradesman Saver, and both are trading names of Barkdene Limited, authorised and regulated by the Financial Conduct Authority under FRN 303965. We have insured British businesses since 1984, more than 40 years, and our cleaning business insurance covers cleaners and cleaning firms of every size. We are not on the comparison sites, so you buy from us direct.
Every policy starts with £1 million of public and products liability. Four more covers come as standard rather than as paid extras: £250,000 of legal expenses with a 24-hour legal helpline, £10,000 of financial loss, and £10,000 of accidental death. You can raise the liability limit to £2 million, £5 million or £10 million if a client’s contract asks for it. Cover also extends to temporary work abroad for up to 14 days, excluding the USA and Canada.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
Financial Strength All insurance policies provided by Standard & Poor’s A rated insurers
Our Tradesman Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
All of our cleaners insurance policies are built on public liability insurance. It responds when a third party, meaning a client or a member of the public, is injured because of your work, or when property belonging to someone else is damaged by it. A customer slipping on a floor that had not dried. A bucket knocked into a display cabinet. A fire door propped open with a vacuum.
Then there is the part generalist policies treat as an afterthought. Cleaning is the one trade where the property most likely to be damaged is the exact item the customer paid you to clean. A carpet that shrinks, a leather chair that discolours, an oven door seal that perishes. A standard wording often excludes the goods you were working on, so cover for damage to the property you are cleaning is what separates a cleaning policy from general business cover.
The rest of the working day is covered by the options. Keys, chemicals, employee theft and your equipment are priced separately, so you choose the type of insurance you need rather than a bundle built around a different trade. The type of cleaning you do decides which of them matter, and the four sections below set out how we cover the main types of cleaners.
Complete our simple quote form with basic details about your business.
Compare quotes from our panel of insurers & chose any optional covers you may need.
Choose the quote that’s right for you, activate your policy and view your certificates online.
Our basic cleaners cover includes core protections like legal costs and accidental death. We also offer additional types of insurance cover like:
Cleaning insurance starts from £55 a year with Cleaner Saver. Between 1 February and 31 July 2026, 30% of our new customers paid £55, and that price buys £1 million of public and products liability, £250,000 of legal expenses, £10,000 of financial loss and £10,000 of accidental death cover for one person. It includes insurance premium tax and excludes our admin charge. Your own price will differ, because insurance cost is worked out from your business rather than from an average, and you can spread it over monthly instalments if a single annual payment is awkward.
The indemnity limit you pick moves the price more than anything else on the form. Going from £1 million to £5 million because a commercial client insists on it will change your premium more than any other answer you give. After that:
If a quote comes back higher than you expected, it is usually one of those four. Call us on 0800 121 8748 and we will talk you through which part is driving it.
Yes, and usually the client asks before you do. A self-employed cleaner carries the legal liability for the damage and injury their work causes, with no employer’s policy behind them to absorb it. Clean two flats a week for a letting agent and the agent will want a certificate.
Home insurance will not fill the gap. Most household policies exclude business activity outright, and the ones that do not were never written for the risk of working in somebody else’s kitchen. Business insurance in your own name is the version that holds up when a claim arrives. Self-employed cleaner insurance costs the same £55 with us whether you are a domestic cleaner working alone or a larger cleaning business, and we write it for self-employed cleaners on the same terms either way. Part-time cleaning is no different, because your hours do not change your legal liability for the hour you were there.
We do, and an agency’s risk works differently from a sole trader’s. If you send someone to clean on your behalf, you can be held liable for what they do, even when you were nowhere near the building. Lawyers call it vicarious liability, and it applies to employed cleaners and, depending on the arrangement, to self-employed cleaners working under your name.
So a subcontractor’s own policy does not automatically protect you. Tell us how your team is made up when you quote, including casual and seasonal help, so the cover matches the way the cleaning services are really organised.
Not by law, but you will likely not get the work without it. Letting agents, managing agents and facilities companies routinely ask for a public liability insurance certificate, and many specify a minimum limit of £1 million or £5 million before they add you to an approved list. Ask what the contract requires before you buy, because it is simpler to set the limit at the start than to change it part-way through a policy year.
The cost of the cover and the cost of a claim are not on the same scale. A slip that breaks a wrist can reach five figures once compensation, the claimant’s loss of earnings and legal costs are added, and that liability follows you personally if you are self-employed. At £55 a year the cover works out at roughly a pound a week, so the real question is whether you could absorb a five-figure claim out of your own money.
Standard liability wordings frequently exclude damage to the goods you were working on, which for a cleaner is most of the job. Our cover addresses damage to the property you are cleaning, subject to the policy terms and limits, and it is worth checking that any quote you compare us against does the same.
Cover can start on the date you choose, including the same day, and your documents and certificates appear in your online account as soon as the policy is live. That matters when a client wants a certificate before Monday.
Search for cleaner insurance and most of what comes back is a comparison site or an aggregator. They earn a fee for passing you on, and that fee sits inside the price you pay. Our policies are sold direct only, which removes a layer, and that is a large part of how the £55 works.
The rest is specialism. Because we insure cleaners all day, the optional covers we provide are the ones cleaners actually claim on: keys, chemicals, employee theft, the property being cleaned. Generalist business insurance policies are more likely to offer you cyber cover than keyholder cover. Quote, buy and download your certificates online at any hour, or talk it through with a team that knows the trade.
A cleaning business is judged on trust, and the certificate is part of that. A quote takes a few minutes, shows what £1 million of public liability insurance, £250,000 of legal expenses and the optional covers cost for your business, and carries no obligation to buy. Get cleaners insurance direct from Cleaner Saver, or call the team on 0800 121 8748 first.
* Total number of live policies as of 31/10/2025
