Cleaning business insurance
Whether you clean private homes, offices or commercial premises, on your own or with a team, you work on other people's property every day. Public liability covers you in Ireland when something goes wrong.
Public liability from €7.55 per month, with cover limits up to €6.5 million per claim.
Business insurance, done differently.
Fully online business insurance in Ireland.
A few questions and you're covered.
No lock-in, no long contracts.
Excess from €0, up to €6.5 million of cover.
Why take out business insurance as a cleaner or cleaning company
Cleaning work puts you inside your clients' homes and premises, surrounded by their property.
Someone is hurt on a job. A slip on a floor you've just cleaned, or a trip over a cable or a machine.
You damage a client's property. A product marks a worktop or a floor, or a machine catches a fitting.
Something you were trusted to work around is damaged. That's third-party objects and sites, and for cleaning the limit is far higher than for other trades.
Public liability covers what you owe the other party, up to your cover limit. A single claim can strain a small business's cash flow, and cover is what keeps that decision yours.
What is Public Liability insurance?
If a client or a member of the public holds you responsible for injuring them or damaging their property, public liability insurance covers what you owe them, up to your cover limit.
What does it cover?
Injury or property damage caused to others in the course of your work. You choose a cover limit of €1.25 million, €2.5 million or €6.5 million per claim, with €2.5 million as the default, and up to twice your chosen limit per insurance year.
Third-party objects and sites is included as standard, covering damage to equipment or premises belonging to others while they're in your care, up to €500,000 per claim and €1 million per insurance year. Employers' liability can be added if you have staff, at €13 million per claim and €13 million per year, covering a claim from an employee injured or made ill by their work.
Cover that fits your profession
You describe your activities fully at sign-up, and your cover matches what you actually do: cleaning private homes, offices and commercial premises, interior and exterior cleaning, carpet cleaning, window cleaning and the related tasks you declare.
Your excess
The amount you pay yourself towards a claim. Up to €500,000 annual revenue the options are €0, €250, €500 (default), €1,000 and €2,500. Above €500,000 the options are €500, €1,000 (default) and €2,500.
Is it mandatory?
Public liability isn't required by law in Ireland. However, many clients, letting agents, facilities managers and local authorities require proof of cover before they'll let you on site. Cover starts from €7.55 per month.
Who needs it?
Anyone cleaning other people's homes or premises, whether you work alone or run a team.
What's covered
Cleaning work in other people's buildings and on their property.
Third-party objects and sites, included as standard: damage to equipment or premises belonging to others while they're in your care, up to €500,000 per claim.
The premises you work from.
Travelling for the business.
Optional employers' liability if you have staff.
Industrial cleaning: work in or on buildings and installations used for industrial purposes.
Cleaning sewers, tanks or pipes.
Artwork, antiques and collectibles at a client's premises, even though other property in your care is covered.
Cover and exclusions shown are indicative and non-contractual. Only the terms of your policy apply.
Some examples
A client slipped on a floor that had just been cleaned and injured their wrist.
A cleaning product left permanent marks on a client's stone worktops and hardwood floor.
A vacuum cleaner caught a cable in a client's office and pulled two monitors off a desk.
A client slipped on a floor that had just been cleaned and injured their wrist.
A cleaning product left permanent marks on a client's stone worktops and hardwood floor.
A vacuum cleaner caught a cable in a client's office and pulled two monitors off a desk.
Examples are for illustrative purposes only. Compensation depends on the exact circumstances of the claim. No rights can be derived from these examples.
Your business insurance with Insify SmartGuide
Taking out insurance can be quick. Making sure you have the right cover is another matter. With Insify SmartGuide, you don't sign a contract blindly. You ask all your questions, and get clear, immediate and personalised answers, before you take out a policy.
Are you covered if you accidentally damage a client's equipment while working?
What excess should you choose?
Are you protected in the event of a dispute with a client?
Insify SmartGuide guides you step by step to understand what's covered, what isn't, and why. In just a few clicks, you build insurance that's truly tailored to your business, with complete confidence. Try Insify SmartGuide. Understand your insurance before you need it.
More than 40,000 entrepreneurs trust us
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Answers to your questions about our insurance for cleaners
Public liability isn't required by law in Ireland, but in practice it is often essential. Clients, letting agents, facilities managers and local authorities frequently ask to see proof of cover before they let you work on their premises. Without it you can lose work, and a single injury or property-damage claim could cost far more than the premium. For a cleaning business it is usually the first cover to put in place. Cover starts from €7.55 per month.
Yes. Public liability covers damage you accidentally cause to a third party's property while you work, such as marking a worktop with a cleaning product or catching a fitting with a machine. Damage to premises or objects that are in your care is covered by the third-party objects and sites cover included in your policy, up to €500,000 per claim and €1 million per insurance year. Declare your activities fully at sign-up so the cover matches the work you actually do.
You can choose €1.25 million, €2.5 million or €6.5 million per claim, and up to twice that amount per insurance year. Larger commercial, facilities or public-sector contracts often specify a minimum limit in the contract itself, so check what your clients ask for before you decide.
Yes. Employers' Liability can be added as an optional cover, with a limit of €13 million per claim, if you have staff. It covers your legal liability if an employee is injured or becomes ill because of their work. If you take on employees or regular helpers it is worth adding, so a workplace injury claim is covered. You can choose it when you build your quote.
Public liability starts from €7.55 per month. Your actual premium depends on your turnover, the cover limit you choose and your excess, which is the amount you pay yourself towards a claim, so the final price is tailored to your business. You can get a quote online and be insured within 2 minutes, ask questions before you commit, and there is no long-term commitment.