Do I Really Need Insurance for My Cleaning Business?

Starting a cleaning business is an exciting venture. You've got your equipment, your first few clients, and you're ready to make spaces sparkle. But there's one question that often nags at new business owners: "Do I actually need insurance?"

The Short Answer

Technically, for most sole traders, Public Liability Insurance is not a legal requirement in the UK (unlike Employers' Liability, which is mandatory if you have staff). However, operating without it is widely considered a massive gamble that could cost you your livelihood.

Why Take the Risk?

Cleaning is physically demanding work involving chemicals, water, and other people's property. Accidents aren't just possible; they are statistically likely to happen eventually.

• Bleach spills on a client's expensive wool carpet.
• Trips and falls caused by a trailing vacuum cable.
• Damage to items while dusting valuable ornaments.

Without insurance, you are personally liable for these costs. A single claim for a ruined designer sofa could cost thousands of pounds—money that would come directly from your pocket.

What Does It Cost?

The good news is that cleaning insurance is remarkably affordable. At Polished Insurance, our policies start from just £120.00 per year. That's less than the price of a single coffee per week to protect your entire business.

If you are looking for comprehensive cleaning insurance that covers you for damage to property worked upon and treatment risks, verify your price online with us today.