Insurance for self-employed cleaners, starting from less than £55 per year
Not on comparison sites — save money by coming direct to us
Compare QuotesOur standard cover is:
Self-employed cleaners face unique challenges and risks in their day-to-day work. From potential property damage to liability concerns, the need for comprehensive insurance coverage is paramount. As an independent cleaner, protecting your business and livelihood is not just a smart decision—it’s essential for long-term success and peace of mind.
At Cleaner Saver, we understand the specific needs of self-employed cleaning professionals. Our tailored insurance solutions are designed to provide robust protection against the varied risks you encounter. With over 40 years of experience in the industry, we offer a range of policies that can be customised to fit your individual requirements, ensuring you’re covered for every aspect of your cleaning business.
Save on your insurance Customers are always telling us how much they saved by switching
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.
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.
Self-employed cleaners operate in diverse environments, each presenting its own set of potential hazards. Whether you’re working in private homes, commercial spaces, or specialised settings, the risks are ever-present. Here’s why insurance is crucial for your cleaning business:
* Total number of live policies as of 31/10/2025
At Cleaner Saver, we offer a comprehensive range of insurance options tailored to the needs of self-employed cleaners. Let’s explore the key types of coverage you should consider:
Public liability insurance is the cornerstone of any self-employed cleaner’s insurance package. It protects you if a member of the public or a client makes a claim against you for injury or property damage caused by your work. For instance, if you accidentally knock over an expensive vase while cleaning, or if a client slips on a wet floor you’ve just mopped, public liability insurance can cover the costs of legal fees and compensation.
Our public liability cover starts from £1 million, with options to increase up to £5 million for larger contracts or high-risk environments. This flexibility ensures you’re adequately protected, regardless of the scale of your operations.
As a self-employed cleaner, your tools and equipment are the lifeblood of your business. Tools insurance covers the cost of replacing or repairing your equipment if it’s lost, stolen, or damaged. This can include:
Having this coverage means you can quickly replace essential items without significant out-of-pocket expenses, minimising downtime and potential loss of income.
Personal accident insurance is particularly important for self-employed individuals. If you’re unable to work due to an accident, this coverage can provide financial support to help cover your living expenses and potential loss of income. It’s a safety net that ensures you’re protected even when you can’t carry out your cleaning duties.
Product liability insurance is essential if you use or supply cleaning products as part of your services. This coverage protects you if a client suffers injury or property damage due to a product you’ve used or supplied. For example, if a client has an allergic reaction to a cleaning solution you’ve used, or if a product causes damage to their property, product liability insurance can cover the associated costs.
While not always considered, legal expenses insurance can be a valuable addition to your policy. It can cover the costs of legal action taken against you, or if you need to pursue legal action yourself. This might include contract disputes, tax investigations, or employment tribunals if you later decide to hire staff.
The cost of insurance for self-employed cleaners can vary widely depending on several factors. At Cleaner Saver, we strive to offer competitive rates without compromising on coverage. The price of your policy will be influenced by:
Our policies start from as little as £54* per year, offering affordable protection for your cleaning business. For policies costing more than £125 annually, we offer the option of monthly instalments to help manage your cash flow more effectively.
To get an accurate quote tailored to your specific needs, we recommend using our online quote system or speaking directly with one of our insurance experts.
While not always legally required, having insurance is highly recommended for self-employed cleaners. Some clients may require you to have insurance before hiring your services, and it provides essential protection for your business.
Absolutely! At Cleaner Saver, we understand that your business needs may change over time. You can adjust your coverage at any time by contacting our customer service team. We’ll work with you to ensure your policy always meets your current needs.
If you need to make a claim, simply contact our dedicated claims team as soon as possible. They’ll guide you through the process, ensuring it’s as smooth and stress-free as possible.
Yes, we do. While this page focuses on self-employed cleaners, we also offer employers’ liability insurance for cleaning businesses with employees. This coverage is legally required if you have any staff, even part-time or temporary workers.
We recommend reviewing your insurance coverage annually or whenever there are significant changes in your business, such as expanding your services or purchasing new equipment. This ensures your policy always provides adequate protection for your evolving needs.
Selecting the right insurance provider is crucial for ensuring you have the best protection for your cleaning business. Here’s why Cleaner Saver stands out:
As a self-employed cleaner, your business is your livelihood. Don’t leave it unprotected. With Cleaner Saver, you can get comprehensive, tailored insurance that gives you the peace of mind to focus on what you do best, providing top-notch cleaning services to your clients.
Ready to secure your business with the right insurance? Get a quote today and join the thousands of cleaning professionals who trust Cleaner Saver for their insurance needs. Our team is standing by to help you find the perfect coverage for your self-employed cleaning business.
From only£55per year 
From only£55per year 
