Cleaners’ insurance

Yes. Cleaning work generally involves liquids, chemicals, and wet surfaces, which means spills, slips, and property damage can happen. If someone is injured on a wet floor or if a client’s property is damaged, you could face legal action and related costs. There’s also the risk of injuring yourself while working. If you can’t work due to injury, your income may stop. Insurance can help protect your business and your livelihood when these situations arise.

Cleaning business can benefit from public liability insurance which helps protect you if someone is injured or property is damaged because of your work. Many clients require proof of public liability insurance before allowing cleaners on site. Landlords may also request evidence of cover if you lease office or commercial premises.

Tools and equipment insurance can help if your equipment is stolen or damaged on the job or from your vehicle. Tools and equipment insurance arranged by Marsh can cover you in situations where other policies sometimes won’t.

Personal accident and illness insurance can help provide income if you’re injured or unable to work and need support to pay everyday bills.

Some policies will only provide defined events cover which limits your protection. Often policies will include a requirement for forcible entry, therefore for example theft from an unsecured building or an unlocked van may not be covered.

Cover arranged through Marsh is different. We can offer you full accidental damage Australia-wide cover, including water damage and theft in open air cover. So, if you leave your equipment on-site and they are stolen or damaged, you’re covered for up to $25,000.

The cost of your cover depends on a variety of factors: the amount and type of cover you need, the size of your business and type of work you do.

The fastest way to find out how much it might cost is to request a call back.

Window cleaners face similar risks to other cleaning businesses, including injury to third parties, property damage, and personal injury. Insurance can help manage these risks, particularly where ladders, equipment, or work at height is involved, subject to the policy terms.

Health insurance provides cover to meet medical expenses associated with general health issues and diseases, with a focus on long term wellness. It covers things such as hospital stays, surgery and medications. Accident and illness insurance is to provide income if you can’t work in the event of an accident, illness, or death as a result of an accident.

In public liability insurance policies for cleaners, faulty workmanship itself is typically excluded from coverage. The cover Marsh can arrange provides protection for any resulting damage caused by such workmanship. The distinction between faulty workmanship and resulting damage from faulty workmanship ensures that while the quality of work is the cleaner’s responsibility, unforeseen damages arising from their work may be financially protected.