Domestic Cleaners Insurance

Working in people's homes means working around their belongings, pets, flooring and furniture. Most jobs go smoothly, but an accident such as a broken ornament, a stained sofa or a lost house key can quickly become an expensive dispute. Insurance gives your customers confidence and protects your income.

Insurance for self-employed domestic cleaners

If you work on your own, public liability insurance is the cover most customers expect you to have. It pays compensation and legal costs if you accidentally injure someone or damage their property. Adding loss of keys cover is sensible if you hold keys for regular clients.

Insurance for domestic cleaning agencies and teams

Once you employ cleaners, employers' liability insurance usually becomes a legal requirement. Agencies should also think carefully about how their cleaners are engaged, because self-employed cleaners placed through an agency may still need to be declared.

• Public liability for injury and damage in customers' homes
• Employers' liability for your staff
• Loss of keys and replacement locks
• Theft by employees (fidelity guarantee)
• Tools and equipment, including items left in your vehicle