Insurance for Cleaners
Insurance for Cleaners made easy with an experienced Insurance Broker on your side
Insurance for Cleaners
Insurance for Cleaners made easy with an experienced Insurance Broker on your side

Insurance for Cleaners
Insurance for Cleaners doesn’t have to be complicated or expensive. For a cleaner, Public Liability Insurance should be the major consideration. Injuries to staff, contractors and third parties, along with property damage to client’s property are large exposures and that the financial implications can be mitigated with a comprehensive Insurance Program.
What Insurance Should Cleaners Have?
Public Liability Insurance
Products Liability insurance can pay for the cost of any legal fees that are incurred if a personal injury claim or third party property damage claim is brought against your cleaning business. If you’re not liable for the damage, the insurer will defend your position. If it’s discovered you’re negligent, the insurer will pay the compensation claim against you.
Motor Vehicle Insurance
Morgan Insurance Brokers can provide private and commercial Motor Vehicle Insurance.
Portable Equipment
Portable items that you take with you as part of your business can be covered quite easily with a General Property policy. It’s quite cheap in comparison to the cost if you had to replace all of your equipment after an accident, a theft, or damage whilst in transit.
Morgan Insurance Brokers can help if you engage in any of the below type of cleans
Residential Home Cleaning
Bond Cleans
Builders Cleans
Office Cleans
Commercial Buildings
Shopping Centres
Window Cleaning
High Pressure Washing

Things to watch out for with cleaner insurance policies
When choosing insurance for your cleaning business, it’s important to look beyond the price and understand exactly what’s covered.
Many policies include exclusions or high excesses that could leave you exposed when making a claim. Check whether your policy covers the specific types of sites you work on, like schools, shopping centres, or offices and whether you’re protected during business hours. It’s also crucial to review how your insurer treats the use of cleaning chemicals, loss of keys, and any damage caused while property is in your care.
If you use subcontractors, make sure they’re included under your policy and that you’re covered for vicarious liability. We help cleaning businesses review and tailor their insurance to avoid these hidden gaps ensuring your public liability, tools, and other essential covers truly protect you when it counts.
How to insure for shopping centre cleaning?
Protect your cleaning business with tailored insurance designed for the unique risks of shopping centre insurance. At Morgan Insurance Brokers, we understand that high-traffic retail spaces require comprehensive cover against public liability, property damage, and equipment loss. Whether your team cleans communal areas, food courts, or retail tenancies, we ensure you’re protected from slip-and-fall claims, chemical accidents, and subcontractor risks. Our expert brokers source policies that meet shopping centre management requirements and safeguard your livelihood. Let us help you secure the right protection so you can focus on delivering spotless results with complete peace of mind.
How Morgan Insurance Brokers can help insure your cleaning business!
Morgan Insurance Brokers has over a decade of experience ensuring cleaners. We have access to over 10+ instant quotes, along with countless underwriting agencies that can leverage the overseas market to obtain comprehensive policies for your business. Contact us today!

