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Cleaner Tools & Equipment Insurance

Tools and equipment insurance for cleaners, available as an optional extension

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Excellent 4.7 out of 5

Cleaner Saver’s Tools & Equipment Insurance


Our standard cover is:

  • Up to £10,000 tool cover per person
  • Includes cover for theft from unattended vehicles (higher excess may apply)
  • Covered on an All Risks basis anywhere in the UK

From vacuum cleaners and mops to pressure washers and specialised cleaning solutions, these items are essential for delivering top-notch service to your clients. But what happens when your equipment is damaged, lost, or stolen? That’s where cleaner tools and equipment insurance comes in, providing a safety net for your business and ensuring you can continue operating without significant financial setbacks.

At Cleaner Saver, we understand the unique challenges faced by cleaning professionals across the UK. Our specialist insurance policies are tailored to meet the specific needs of the cleaning industry, offering comprehensive coverage that goes beyond standard business insurance. With over 40 years of experience in the trade insurance sector, we’ve developed a deep understanding of the risks cleaners face daily. Our cleaner tools and equipment insurance is just one of the many ways we support cleaning businesses, from sole traders to large commercial operations.

Please note that, unlike public liability, tools & equipment insurance is not an automatic cover, but can be added to any standard Cleaner Saver policy.

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Why choose Cleaner Saver cleaner tools & equipment insurance?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

All insurance policies provided by Standard & Poor’s A rated insurers

Defaqto 5 Star rated

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.

How our cleaner tools & equipment insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get quotes

Compare quotes from our panel of insurers & chose any optional covers you may need.

3 You’re insured!

Choose the quote that’s right for you, activate your policy and view your certificates online.

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Why Do Cleaners Need Tools and Equipment Insurance?

Cleaning professionals rely heavily on their tools and equipment to carry out their work efficiently and effectively. However, this reliance also means that any loss, damage, or theft of these items can have a significant impact on your ability to operate. Here’s why tools and equipment insurance is crucial for cleaners:

  1. Financial Protection: Replacing expensive cleaning equipment out of pocket can be a substantial financial burden. Insurance helps cover these costs, allowing you to replace or repair your tools without breaking the bank.
  2. Business Continuity: With insurance, you can quickly replace lost or damaged equipment, minimising downtime and ensuring you can continue serving your clients without interruption.
  3. Peace of Mind: Knowing your tools and equipment are protected allows you to focus on your work without worrying about potential losses.
  4. Client Confidence: Having comprehensive insurance coverage, including for your tools and equipment, can boost client confidence in your professionalism and reliability.
  5. Coverage for Specialised Equipment: Many cleaning jobs require specialised equipment that can be costly to replace. Insurance ensures even your most expensive tools are protected.
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Chosen by over 5000 businesses and counting*

Chosen by over 18761 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.

* Total number of live policies as of 31/10/2025

What Does Cleaner Saver’s Tools and Equipment Insurance Cover?

Our tools and equipment insurance is designed to provide comprehensive protection for cleaning professionals. Here’s an overview of what our policy typically covers:

  • Theft: If your tools or equipment are stolen from your vehicle, work site, or storage location, we’ll cover the cost of replacement.
  • Accidental Damage: Drops, spills, and other accidents happen. Our insurance covers repairs or replacement for accidentally damaged equipment.
  • Loss: If you misplace your tools or equipment, our policy can help cover the cost of replacement.
  • Fire and Flood Damage: Natural disasters and accidents can destroy your equipment. We provide coverage for damage caused by fire, flood, and other similar events.
  • Hired-in Equipment: We can also cover equipment you’ve hired or borrowed for specific jobs.

It’s important to note that coverage limits and specifics can vary based on your individual policy. We recommend discussing your specific needs with one of our insurance experts to ensure you have the right level of protection.

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FAQs

Cleaner Tools & Equipment Insurance FAQs

The cost of tools and equipment insurance for cleaners can vary depending on several factors. At Cleaner Saver, we strive to offer competitive rates while ensuring comprehensive coverage. Here are some of the key factors that influence the cost of your insurance:

  1. Value of Equipment: The total value of the tools and equipment you want to insure is a primary factor in determining your premium.
  2. Type of Equipment: Specialised or high-value equipment may require additional coverage and affect your premium.
  3. Business Size: The scale of your cleaning operation can impact your insurance costs.
  4. Claims History: Your past claims history may influence your premium.
  5. Coverage Limits: Higher coverage limits typically result in higher premiums.
  6. Excess: Choosing a higher excess can lower your premium, but means you’ll pay more out of pocket if you need to make a claim.

To get an accurate quote for your specific situation, we recommend using our online quote tool or speaking directly with one of our insurance specialists.

If you’re a self-employed cleaner or run a small cleaning business, tools and equipment insurance is just as important for you as it is for larger companies. In fact, it might be even more crucial. Here’s why:

  • Financial Vulnerability: As a self-employed cleaner, you may not have the financial reserves to easily replace expensive equipment if it’s lost, stolen, or damaged.
  • Business Continuity: Your ability to work and earn income depends directly on having the right tools. Insurance helps ensure you can quickly get back to work if something happens to your equipment.
  • Professional Image: Having insurance demonstrates to clients that you’re a responsible, professional business owner who takes your work seriously.

Tools and equipment insurance is often part of a broader insurance package for cleaning professionals. At Cleaner Saver, we offer a range of insurance products that can be combined to provide comprehensive coverage for your cleaning business. Here’s how tools and equipment insurance fits into the bigger picture:

Insurance Type How It Works with Tools and Equipment Insurance
Public Liability Insurance Covers you if your tools or equipment cause injury or damage to a third party
Employers’ Liability Insurance Protects you if an employee is injured while using your tools or equipment
Personal Accident Insurance Provides coverage if you’re injured while using your cleaning equipment
Product Liability Insurance Covers you if a cleaning product you use causes damage or injury

By combining these different types of insurance, you can create a comprehensive protection plan for your cleaning business that covers all aspects of your operations.

If you need to make a claim on your tools and equipment insurance, Cleaner Saver is here to make the process as smooth and straightforward as possible. Here’s a step-by-step guide to making a claim:

  1. Contact Us Immediately: As soon as you realise your tools or equipment have been lost, stolen, or damaged, get in touch with our claims team.
  2. Provide Details: Be prepared to provide full details of the incident, including date, time, location, and a list of affected items.
  3. File a Police Report: In cases of theft, file a police report and obtain a crime reference number.
  4. Gather Evidence: Collect any relevant evidence, such as photographs of damaged equipment or receipts for stolen items.
  5. Complete Claim Form: Fill out our claim form with all the necessary details.
  6. Assessment: Our claims team will assess your claim and may request additional information if needed.
  7. Resolution: Once your claim is approved, we’ll arrange for repair or replacement of your tools and equipment as quickly as possible.

Why Choose Cleaner Saver for Your Tools and Equipment Insurance?

Cleaner Saver stands out as the go-to choice for cleaning professionals seeking comprehensive tools and equipment insurance. Here’s why:

  • Specialist Expertise: With over 40 years of experience in trade insurance, we understand the unique needs of the cleaning industry.
  • Tailored Coverage: Our policies are specifically designed for cleaners, ensuring you have the right protection for your business.
  • Competitive Pricing: We offer affordable rates without compromising on coverage.
  • Flexible Policies: Our insurance can be customised to suit businesses of all sizes, from sole traders to large cleaning companies.
  • Excellent Customer Service: Our UK-based team is always ready to assist you with any questions or claims.
  • Quick and Easy Process: Get a quote and purchase your policy online in minutes.

Protect Your Cleaning Business Today

Your tools and equipment are vital to your cleaning business. Don’t leave them unprotected. With Cleaner Saver’s tools and equipment insurance, you can have peace of mind knowing that your essential items are covered against loss, theft, and damage.

Ready to safeguard your cleaning business? Get a quote today and join the thousands of cleaning professionals who trust Cleaner Saver for their insurance needs. Remember, with Cleaner Saver, you’re not just buying insurance – you’re investing in the security and future of your cleaning business.

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