Handling Accidental Damage: A Step-by-Step Guide

A step-by-step guide for cleaners on handling accidental damage professionally: assessing, documenting, telling the client and contacting your insurer.

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Last updated · 2 min read

It is the sound every cleaner dreads: the crunch of a vacuum against a skirting board, the smash of a vase slipping from a duster, or the snap of a blind mechanism. Accidental damage is, unfortunately, a matter of when rather than if.

How you handle the moments afterwards shows your professionalism and can save the client relationship. Here is what to do when something breaks.

Step 1: stop and assess

Stop what you are doing and make the area safe, for example by carefully picking up broken glass. Do not rush to finish the room.

Step 2: do not attempt a DIY repair

It is tempting to reach for the superglue or scrub harder at a stain. Resist it. Amateur repairs often make the damage worse and can make a professional restoration harder. If you try to hide or fix the damage and fail, you risk losing the client's trust completely.

Step 3: document everything

Before moving anything, if it is safe to do so, take photos:

  • A wide shot showing where the item was.
  • Close-ups of the damage.
  • Keep any broken pieces until the matter is resolved.

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Step 4: be honest and immediate

Contact the client as soon as possible. Tell them face to face if they are home, or call them if not; a phone call is better than a note.

You might say: "I am very sorry, but I have had an accident while dusting and damaged your [item]. I wanted to let you know straight away. I have taken photos and will contact my insurer."

Step 5: contact your insurer or broker

Report the incident promptly, as policies usually require. Your broker can help you understand whether a claim makes sense given your excess. Bear in mind that a standard policy may not cover damage to the item you were cleaning; our guide to treatment risks explains why.

Clients can forgive an accident, but they rarely forgive a cover-up.

If you clean in people's homes, read about domestic cleaners insurance, and request a quote to make sure accidents like these are covered.

Frequently asked questions

Tell the client promptly and honestly, then notify your insurer or broker as soon as possible. Avoid admitting legal liability or promising payment until you have spoken to your insurer.

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This guide is general information about insurance for cleaning businesses and is not personal advice. Policy cover, limits and exclusions vary between insurers, so always check your own policy documents.

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