Small business insurance

Public Liability Insurance for Cleaners

Cleaners work inside other people's homes, offices and job sites every day. A slip on a wet floor, a damaged benchtop or a knocked-over server rack can all land at your door. Simple Cover arranges public liability for cleaning businesses from solo domestic cleaners to commercial crews, with our licensed team.

Get my quote 1300 080 323

5.0★ from 250+ Google reviews 60-second quote Licensed & Australian

Quick Quote

60 seconds

Occupation

Selected: Cleaner

Liability required

Do you require Personal Accident Cover?

Financial support if you can't work due to injury or illness.

Insured Name

State

Phone

I accept the privacy policy and that we may contact you about this insurance.

No obligation. Subject to eligibility and underwriting.

Cover

What cleaners need covered

Slips, Trips & Wet Floors

The classic cleaning claim: someone slips on a floor you've just mopped. Public liability responds to third-party injury claims like these, including the legal costs of defending them. It's the exposure every cleaning contract carries, every day.

Damage to Client Property

A cracked stone benchtop, a chemical mark on carpet, a knocked TV. When your work damages a client's property, public liability is the cover that responds, which is vital when you're working unsupervised in homes and offices.

The Limit Your Contracts Ask For

Body corporates, real estate agencies, schools and commercial clients usually require $5M, $10M or $20M in public liability, and a certificate of currency before you start. We arrange the limit your contracts actually demand.

Personal Accident & Illness

Cleaning is physical, repetitive work. If an injury or illness keeps you off the job, personal accident cover can provide financial support if you're unable to work. Worth a yes on the quote form if you're a sole trader.

Growing Crews

Taking on staff or subcontractors changes your exposure and your obligations. Tell us how your team works and the cover gets sized to match, so a claim isn't knocked back on a technicality.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Simple Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Cleaners insurance questions.

Speak with our team on 1300 080 323.

What insurance does a cleaner need?

Public liability is the baseline. It covers injury to other people and damage to their property arising from your work, and most commercial cleaning contracts, agencies and body corporates require it before you start. Many cleaners add personal accident cover to protect their own income. We arrange both for you.

How much public liability do cleaners need: $5M, $10M or $20M?

It depends who you clean for. Domestic work is often fine at $5M or $10M; commercial contracts, strata and government sites commonly require $10M or $20M. Check what your contracts specify, or tell us and we'll arrange the limit your clients demand.

Does public liability cover damage I cause in a client's home?

Yes. Accidental damage you cause to a client's property is exactly what public liability is designed for, subject to your policy terms. It generally won't cover re-doing your own work, and intentional damage is never covered.

How much does cleaners public liability insurance cost?

There's no single price. It depends on your turnover, the type of cleaning you do, your team size and the limit you need. We compare options across a panel of insurers and come back with quotes for your business.

Can I get a certificate of currency quickly?

Yes. Once your cover is bound, your certificate of currency is issued during business hours, usually the same day, so you can start the contract that asked for it.

Other occupations we cover

Handymen Electricians Plumbers

View all occupations →

Ready to get cleaners covered?

Tell us about your business in about 60 seconds and we come back to you with options.

Get my quote 1300 080 323

Simple Cover is a registered trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).