Insurance Guides for Cleaning Businesses
Plain-English guides to the cover, contracts and risks that matter when you run a cleaning business in the UK. General guidance, not personal advice.
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Covers explainedBiohazard Cleaning Insurance for Trauma and Deep Cleans
Trauma, hoarding and biohazard work needs to be underwritten on its own terms. Here is how UK insurers assess it, what they ask about training and waste, and the exclusions worth reading before you sign.
Published October 2026
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Covers explainedFidelity Guarantee Insurance for Cleaning Companies Explained
Public liability will not pay when a cleaner steals from a client. Here is how fidelity guarantee insurance works, what banks and offices ask for in tenders, and the vetting conditions insurers attach.
Published October 2026
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Running your businessLabour-Only Subcontractors and Your Cleaning Insurance
If your cleaners invoice you as self-employed but work under your direction with your equipment, insurers usually treat them as labour-only subcontractors. Here is what that means for your employers' liability cover, wages declaration and certificates.
Published October 2026
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Covers explainedOffice Cleaning Insurance: Out-of-Hours Access and Alarm Codes
Cleaning offices after everyone has gone home brings risks a daytime job never has: master fobs, alarm codes, servers and staff working alone. Here is how office cleaning insurance responds, and what insurers want to know.
Published October 2026
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Covers explainedCleaning Equipment Insurance: Protecting Machines and Vans
Theft from a locked van is one of the most common claims cleaning businesses make. Here is how cleaning equipment insurance works, what security conditions you must meet, and how to value machines and hired-in kit properly.
Published October 2026
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Covers explainedPressure Washing Insurance: Surfaces, Runoff and Roof Cleaning
A practical look at the risks that actually generate claims for jet washing and soft washing businesses, and how to make sure your policy responds to them.
Published September 2026
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Business typesOven Cleaning Insurance for Franchisees and Independents
A practical look at oven cleaning insurance for franchisees and independents, covering appliance damage, dip tank chemicals, franchisor requirements and cover for your van and kit.
Published September 2026
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Business typesWhat Insurance Do End of Tenancy Cleaners Need?
Letting agents want proof of cover before they hand over keys. Here is what end of tenancy cleaners actually need, from public liability limits to key loss and damage to the property you are working on.
Published September 2026
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Business typesDomestic Cleaners Insurance for Work in Customers' Homes
A practical guide to insurance for domestic cleaners working in customers' homes, covering public liability, breakages, keys, pets and accusations of theft.
Published September 2026
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Business typesWindow Cleaners Insurance and Working at Height Explained
Height is the single biggest factor in how insurers price and accept window cleaning risks. Here is how ladders, water-fed poles, cradles and rope access are treated, and what you need to have in place.
Published September 2026
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Covers explainedWhat Does Contract Cleaners Insurance Cover? A Section Guide
A plain-English, section-by-section breakdown of what contract cleaners insurance covers, what it usually excludes, and the limits contract clients expect to see.
Published September 2026
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Contracts & tendersPublic Liability Limits for Cleaning Contracts Explained
Cleaning contracts usually specify £1m, £2m, £5m or £10m of public liability cover. Here is how buyers decide, what limit suits your work, and what to do when a tender asks for more than you hold.
Published September 2026
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Covers explainedEmployers' Liability Insurance for Cleaning Companies Explained
If your cleaning business has staff, casual helpers or labour-only subcontractors, employers' liability cover is almost certainly a legal requirement. Here is who counts, what the law says, and what insurers will ask you.
Published September 2026
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Covers explainedTreatment Risks: The Gap in Standard Public Liability
Most standard public liability policies will not pay for the item you are actually cleaning. We explain damage to property worked upon.
Updated September 2026
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Claims & riskHandling Accidental Damage: A Step-by-Step Guide
Breaking a client's item is every cleaner's nightmare. Here is the professional way to handle it.
Updated September 2026
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Claims & riskKeyholding Risks Explained: Protecting Your Client's Security
Holding keys for clients is a big responsibility. Learn how to manage keys securely and check your insurance covers you if you lose them.
Updated September 2026
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Claims & riskThe True Cost of a Claim: It's More Than Just the Breakage
Think a broken vase just costs the price of a replacement? We explore the hidden costs of liability claims.
Updated September 2026
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Running your businessCOSHH Explained Simply: A Cleaner's Guide to Safety
Chemical safety does not have to be complicated. Our simple guide to COSHH helps you stay safe and compliant.
Updated September 2026
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Covers explainedPublic Liability vs Employers' Liability: What's the Difference?
We break down the key differences between public and employers' liability, and which your cleaning business actually needs.
Updated September 2026
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Claims & riskLegal Liability for Cleaners Entering Client Premises
Your duty of care, keyholding risks and legal responsibilities when working in a client's home or office.
Updated September 2026
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Covers explainedDo I Really Need Insurance for My Cleaning Business?
Many new cleaners ask whether insurance is a legal requirement. Here is what the law says, and why going without is a big risk.
Updated September 2026
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Tell us how to reach you and we will send a short questionnaire about your business. Your answers let us approach insurers for cover that fits the way you actually work.