What is self-employed domestic cleaner insurance?
Self-employed domestic cleaner insurance is designed to protect cleaners from the financial risks they face while working independently. It typically includes public liability insurance for domestic cleaners, covering accidents, injuries, or damage to a client’s property.
Think of it as your financial safety net. Without it, even a minor mistake—like spilling a bucket of soapy water on a client’s hardwood floor—could leave you with hefty repair bills.
However, depending on your cleaning activities, you might want to consider other insurance covers for better protection from the risks inherent in your work.
What does public liability insurance for self-employed cleaners cover?
Public liability insurance for self-employed domestic cleaners shields you from claims arising from accidents or damage caused during your work. Here are a few examples of how it can help:
- Broken valuables: You accidentally bump into a glass coffee table, and it shatters. The insurance covers the cost of replacement.
- Injured clients: The homeowner slips on a wet floor you just mopped and injures their back. Your policy will cover their medical expenses and any compensation claims.
- Damaged property: You mistakenly use the wrong cleaning product on a granite countertop, causing permanent damage. The repair costs are covered by your insurance.
Without this coverage, even minor incidents could turn into costly financial headaches and many days of stress trying to sweep up the mess.
Other insurance for self-employed cleaners
While public liability insurance is essential, you might want to consider other types of cover for better protection.
Employers’ liability
If you employ anyone, even on a casual basis, employers’ liability insurance is legally required in the UK. It protects you if the person working with you is injured or becomes ill due to their work.For example, if a helper trips over a vacuum cable and breaks their wrist, this insurance covers their medical bills and any legal claims.
Business equipment
Your cleaning tools—whether they’re budget-friendly or high-end—are critical to your work. Business equipment insurance ensures you can replace stolen or damaged items like vacuums, steamers, and carpet cleaners quickly and without financial strain.
