If you run a cleaning business, then you know the importance of providing a great service but what do you do if something goes wrong? Cleaners can often be the first to be blamed and therefore having comprehensive insurance coverage is essential.
Regardless of the size of your business public liability insurance is essential to protect you from claims from the public for injuries and property damage, and if you employ someone you legally need to have employer’s liability insurance.
There is also a range of other cover which may be necessary depending on your business. Below we have looked at what some of the leading insurance providers can offer you as dedicated cleaning insurance products.
The table below gives a quick price comparison of the top UK providers for cleaners’ insurance.
Company | Sole trader | Agencies | Domestic | Commercial |
---|---|---|---|---|
AXA | Yes | Yes | Yes | Yes |
Ageas | Not stated | Yes | Yes | Yes |
Hiscox | No | Yes | Yes | Yes |
A19 Insurance | Yes | Yes | Yes | Yes |
Gleaming Insurance | Not stated | Yes | Yes | Yes |
Polished Insurance | Not stated | Yes | Yes | Yes |
* The facts and figures included here come from each company’s website and were accurate at the time of writing but may have since changed. Also, please keep in mind these may not be apples to apples comparisons as each provider offers different solutions. This guide should be used as a starting off point for more research on your part.
Below we profile each of the companies’ services and features in a bit more detail.
Topics
1. AXA
Some of the features and benefits of AXA’s cleaners’ insurance.
- Specific insurance designed for cleaners
- Tailored policy
- Suited to self-employed cleaners and agencies
- Public liability insurance
- Employer’s liability insurance
- Van insurance
- Domestic cleaners
- Carpet cleaners
- Office cleaners
- Window cleaners
AXA is an insurance provider offering a range of tailored insurance products that are designed to meet the needs of small to medium-sized businesses, sole traders and the self-employed. One of the packages that they offer is business insurance for cleaners.
AXA’s Cleaning Insurance is a tailored policy that is designed to meet the needs of your business whether you are a self-employed cleaner or a cleaning agency with employees. Their cover can include public liability insurance which is essential to protect you against claims for injuries and damage to property, employer’s liability insurance if you employ people, and van insurance if you have a commercial vehicle for your business.
2. Ageas
Some of the features and benefits of Ageas’ cleaners’ insurance.
- Specific Cleaning Insurance
- Covers both domestic and commercial cleaners
- Tailored cover
- Public and product liability insurance
- Employer’s liability
- Damage to the customer’s property
- Loss of keys
- Misuse of customer’s phones
- Financial loss
- Professional indemnity
- Available only through a broker
Ageas is an insurance provider offering a variety of combined insurance products for businesses which include a mixture of generic products and tailored packages for specific trades and professions. One of the packages that they offer is Cleaning Insurance.
Ageas’ Cleaning Insurance is designed to cater for cleaners who work in residential and commercial properties. Their cover is flexible and allows you to build the level of protection that you require from a range of cover. Their cover can include public and product liability, employer’s liability, damage to a customer’s property, loss of keys, misuse of customer’s phones, financial loss and professional indemnity.
3. Hiscox
Some of the features and benefits of Hiscox’s cleaners’ insurance.
- Dedicated Cleaners Insurance
- Designed for cleaning businesses, not sole traders
- Tailored cover
- Professional indemnity insurance
- Public liability insurance
- Employer’s liability insurance
- Covers injury or damage to property
- Personal accident insurance
- Cyber and data insurance
- Office insurance
Hiscox is an insurance provider offering a variety of business insurance products with tailored cover for a wide range of professions. They offer standalone and combined packages of cover. Their packaged insurance products include Cleaners Insurance which is designed for businesses with two or more employees.
Hiscox’s Cleaners Insurance is designed to let you select the cover you require from a range of options. They offer professional indemnity insurance to protect your business against reputational risk. Public and employer’s liability insurance to cover the costs of any injuries to the public and employees or damage to property. You can also add personal accident, office cover, cyber and data insurance.
4. A19 Insurance
Some of the features and benefits of A19 Insurance’s cleaners’ insurance.
- Offers a range of cleaning insurance products
- Domestic cleaners
- Drain, driveway, gutter, patio and wheelie bin cleaners
- Carpet, floor and upholstery cleaners
- Office and shop cleaners
- Window cleaners
- Public liability
- Employer’s liability
- Tools and equipment cover
- Property worked on and treatment risks cover
A19 Insurance is an insurance provider operating several insurance businesses including CleanersInsurance.Insure. They provide specialist insurance for specific professions and they offer a wide range of cleaning insurance products for most cleaning professions, such as domestic, carpet, drain, drive, floor, gutter, upholstery, office, oven, patio, shop, wheelie bin and window cleaners.
A19 Insurance’s cleaning insurance range is suitable for sole traders and cleaning businesses with more than one employee. They provide tailored cover that is specific to your trade with a variety of cover options including public liability, employer’s liability, tools and equipment cover, property worked on and treatment risks cover including shrinkage, colour run and wrong cleaning process.
5. Gleaming Insurance
Some of the features and benefits of Gleaming Insurance’s cleaners’ insurance.
- All types of cleaning insurance
- Public and employer’s liability insurance
- Tools, machinery and equipment
- Damage to property being worked on
- Treatment risks
- Loss of customer’s keys
- Failure to secure premises
- Dishonesty by employees
- Misuse of customer’s phones
- Underwritten by Hiscox
Gleaming Insurance is a dedicated cleaning insurance provider whose insurance products are underwritten exclusively by Hiscox. They offer cleaning insurance products that cater for all types of cleaning businesses including domestic, window, contract, carpet and office cleaners.
Gleaming Insurance’s cleaning insurance covers public and employer’s liability insurance to protect your business from claims from the public and employees for injury or property damage. It also covers damage to property worked on and treatment risks which are specific to cleaning businesses. You can also cover tools, machinery and equipment, loss of customer’s keys, failure to secure premises, dishonesty of employees and misuse of customer’s phones.
6. Polished Insurance
Some of the features and benefits of Polished Insurance’s cleaners’ insurance.
- Offers insurance for a variety of cleaning professions
- Domestic cleaners
- Contract cleaners
- Specialist cleaners
- Carpet cleaners
- Window cleaners
- Public and employer’s liability
- Damage to property worked on
- Treatment risks
- Theft by employee
Polished Insurance is a specialist insurance provider that offers a variety of specific cleaning insurance products for cleaners in domestic, contract, specialist, carpet and window cleaning businesses. They provide their insurance products in partnership with Allied Insurance Services and Allied Financial Services.
Polished Insurance’s range of cleaning insurance gives your business protection from claims from members of the public and employees for injuries or damage to property. It also gives you further protection with property worked on and treatment risks cover which is specific cover for cleaning professions. They also include theft by employee and loss of keys cover.
Financial Disclosure: We may be paid a fee if you purchase insurance via the Simply Business link at the top of this page.