Insurance for casual labourers and cleaners, starting from less than £55 per year
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Casual labour insurance, specifically employers’ liability insurance, is crucial if you appoint casual employees in your cleaning business. In the UK, it’s a legal requirement for businesses to have this coverage if they employ one or more people. It doesn’t matter if they are permanent employees or not.
This insurance protects your business by covering the costs if a freelance employee claims for injury or illness caused by their work. Without this protection, you could face significant legal and financial consequences, even for short-term or part-time staff.
Ensuring you have the right insurance in place protects your business against unforeseen claims and helps maintain a safe working environment for all employees.
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Employers’ liability insurance is compulsory for most businesses that employ staff, even on a casual basis. It covers your legal liability if an employee suffers an injury or illness due to their work. For example, a cleaner in your business develops a respiratory issue from prolonged exposure to cleaning chemicals.
Employers liability insurance would cover the costs associated with their treatment and any legal claims. The law requires you to have at least £5 million of cover in place.
While not a legal requirement, public liability insurance is highly recommended. It protects your business if a member of the public is injured or their property is damaged due to your business activities. This cover is particularly important for cleaners working in various locations. For instance, a cleaner accidentally spills a solution that causes a client to slip and fall. Public liability insurance would cover the associated costs, including legal fees and compensation.
* Total number of live policies as of 31/10/2025
Your workers’ employment status can significantly impact your insurance requirements. Understanding the difference between ’employees’, ‘workers’, and ‘self-employed’ is crucial.
Even if you refer to your staff as ‘casual’ or ‘freelance’, they may still be considered employees under employment law. This means you (as the employer) could be required to have employers liability insurance. If you’re not sure about your workers’ status, it’s best to seek advice from a solicitor or check the HMRC guidelines.
If you use genuinely self-employed subcontractors, you may not need employers’ liability insurance for them. However, you should ensure they have their own insurance in place.
Casual workers are entitled to certain employment rights, including:
It’s important to note that these rights apply no matter how short the period of employment.
To ensure you’re meeting your legal obligations:
Yes. If you employ part-time workers, you’ll typically need employers’ liability insurance, just as you would for full-time employees.
The legal minimum for employers’ liability insurance is £5 million, but many policies offer £10 million as standard. The level of cover you need may depend on the size of your business and the nature of the work.
Even if you only employ staff on an irregular basis or to cover staff shortages, you still need to have the appropriate insurance in place. The frequency of employment doesn’t negate your legal responsibilities.
Yes, you must display your employers’ liability insurance certificate where employees can easily read it. You can display this electronically if all employees have reasonable access to it.
If you’re required to have employers’ liability insurance and don’t have it, you can be fined up to £2,500 for each day you’re not properly insured. You may also face additional penalties for not displaying your certificate.
At Cleaner Saver, we specialise in providing insurance solutions for the cleaning industry. Our team of insurance experts understands the unique challenges faced by cleaning businesses, including those employing casual labour. We offer:
Don’t leave your business exposed to unnecessary risk. Get in touch with Cleaner Saver today to ensure you have the right insurance cover in place for your temporary staff. Our team is ready to provide you with a quote and answer any questions you may have about casual labour insurance.
From only£55per year 
From only£55per year 
From only£55per year 
