Cleaners Insurance | Cleaning Business Insurance

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As a domestic or commercial cleaner, clients will be looking for you to operate professionally in their property. To ensure you are protected against any eventuality, it is essential that your business is covered with cleaners’ insurance.

Whether you work alone or run a larger business with employees, with cleaners’ insurance you could be covered for all manner of situations. Whether this be safeguarding against theft, accidents or damaged equipment, insurance for cleaners makes sure your business is sufficiently protected, should the worse happen.

Not all cleaning businesses are the same and, in turn, each business will need a bespoke cleaners’ insurance policy. With Premierline, you can easily find the best insurance for your cleaning business online if you know what covers you require. Simply compare quotes from a range of trusted insurers to find the policy which best suits your cleaning business. Alternatively, if you have any questions regarding our cleaners’ insurance policies or require professional recommendations for your insurance, please give us a call.

Whether you are a specialist carpet cleaner, a cleaning contractor or a window cleaning business, we can arrange tailored cover that can meet your cleaning business needs.

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Cleaners insurance cover in detail

What is cleaners insurance?

Cleaners insurance is typically designed to protect you and your livelihood against unforeseen events that could leave you exposed to financial losses. Using various chemicals and equipment can be risky to you, your employees, and your clients, so you need to consider comprehensive cleaners insurance to let you focus on the job in hand. No matter how careful you may be, accidents do happen, and that’s where having the right insurance offers you protection.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

Public liability insurance can protect your clients, as well as their property, against accidental injury and accidental damage to property. Put simply, if a client slipped over on a floor you just mopped and sustained an injury, your public liability insurance can protect you against compensation awarded as a result.

Cleaning contractor unloading equipment from van

Employers' liability for cleaners

Employers' liability can protect your staff in similar circumstances. As a cleaning contractor, you and your staff could be exposed to hazardous chemicals that can burn your skin or even get into your eyes. Employers' liability can protect your staff from these accidents, and settle any damages awarded as a result of an accident at work. If you work alone or as a sole trader, you may wish to consider personal accident cover. This offers a weekly benefit to tide you over if you are injured at work.

Personal accident cover

Considering the possibility of an employee or customer injuring themselves while you work is crucial; but how would you cope financially if you were unable to work following an accident at work? A simple fall or slip at work could leave you out of action. By including personal accident cover within your cleaning business insurance, you can protect your income in case the worst happens and you’re unable to work. This cover would typically provide a weekly income to tide you over until you’re able to return to work.

Property covers for cleaners

As a cleaning business owner, you'll require a number of tools and specialist products to do your job effectively. If you have an office or storage or lock-up for your equipment you should also consider cover for your buildings, contents and equipment.

Business interruption insurance

Your equipment and products are an essential part of your cleaning business. If you have a lock-up unit or office that you wish to include in your insurance, some policies can incorporate this and offer business interruption cover as well. This means if you suffered damage at your premises that impacted your ability to trade; your loss of income would be covered while you get back up and running. If you'd like to talk through these additional cover options, simply give us a call.

Tools & equipment insurance

Specialist commercial cleaning equipment can be costly bits of kit. You may have a range of machines or operate on a solo basis meaning you’re reliant on one main appliance. Whatever the structure of your business, you should consider how you would continue to help your customers without your equipment. What would you do if they were lost, damaged or stolen? Do you have a backup or would you need replacements pronto? By including the right level of tool cover in your cleaning business insurance package, you can ensure minimal disruption to your day-to-day activities should something go wrong.

Van insurance for cleaners

A commercial vehicle or van could be a crucial part of your cleaning business; whether it’s for transporting specialist equipment and products, or even just getting to and from your clients, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for cleaners.

Legal protection for cleaners

Commercial legal protection will typically cover a number of defined events, from tax and VAT disputes to contract and employment disputes. It can also offer financial protection if someone takes you to court.

Cleaners insurance FAQs

Do I need cleaners insurance?

Without the right cleaning business insurance in place you could be exposed to compensation claims against you if something goes wrong.

Could you cover the cost of replacing clients property? How would you cope if an employee had an accident at work? Cleaners insurance can leave you safe in the knowledge that should something happen, you’re covered.

What covers do cleaners need?

At Premierline, we offer cleaning insurance that can be as simple or comprehensive as you require depending on your business operations. When thinking about what insurance and covers you need to protect your business, you should consider the following:

Public liability – to cover you against unforeseen events that could leave you and your business exposed to financial loss.
Employers' liability – to protect your employees against accidents at work and any damages awarded as a result.
Personal accident cover - to tide you over in the event that you injured yourself at work.
Tools & plant - to protect your tools, equipment, and plant.
Buildings cover – to cover for loss or damage to your business premises.
Contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Contract works - designed to cover work that’s underway on a construction site.
Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
Commercial vehicle cover - if you use a vehicle or a van for business.

More information

How much does cleaners insurance cost?

The cost of cleaning insurance depends on a range of factors including the size of your business, and the level of cover that you require. Get a new quote online or contact one of our business insurance specialists to find out how much your cleaning insurance might cost to protect yourself and your business from unforeseen circumstances.

Why choose Premierline to arrange cleaners insurance?

We have many years’ experience arranging cleaning business insurance for clients doing domestic cleaning, or working on more commercial and industrial premises. We understand the nature of your work can lead to a variety of hazardous scenarios, requiring specialist insurance. It’s our job to ensure you have insurance in place to protect your livelihood, so you can concentrate on the job in hand.

Whether you’re working alone, or employ a team to assist you, we can arrange cleaning contractors insurance with covers that are most relevant to you, meaning you only pay for the cover you need.

You can protect your livelihood online in just a few minutes, or for advice call us to speak to one of our advisors and they’ll arrange your cleaning contractors insurance for you.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Contractor Insurance Experts

We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in. Thank you Premierline.”

Contractor Business owner

Customer since April 2017

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You can protect your business online in just a few minutes if you know the levels of cover you need, or if you require advice call us to get a cleaning insurance quote today.