No, your cleaner/cleaning provider should provide their own relevant insurances before working for you. However, it is your responsibility to appropriately check the cleaner’s references and insurances. Quality self-employed cleaners and small cleaning businesses will hold core insurance policies. There are some optional extras that can offer you financial security if something unexpected goes wrong.
If you employ a housekeeper, you must have employers liability insurance in case an employee becomes ill or is injured while working for you. Most clients will insist that you hold a Public Liability policy before agreeing to work with you, to protect their own property from any damage you might accidentally create.
Why does a cleaner need to be insured? As the most critical coverage for cleaning businesses, general liability insurance protects you against the risk of third-party liability arising out of property damage claims. Whether you work independently or as part of a team, cleaning insurance protects you against unexpected costs. Public Liability Insurance is essential for all domestic and commercial cleaners.
Insurance Coverage and Costs
In terms of legal requirements, Employers’ Liability and Business Use Vehicle insurances are required if you have employees or vehicles. While general liability insurance can cover third-party property damage, it does not apply to your own property. Simply put, cleaners insurance is a business insurance tailored to meet cleaning business risks.
How Much Does Cleaning Insurance Cost? Enter your zip code to get a custom cleaning insurance quote!
Self-Employed Cleaners: Duties and Benefits
What is a self-employed cleaner? A self-employed housekeeper runs an independent cleaning business, offering services and setting their own fees and hours. As a self-employed cleaner, you must protect your finances and ensure correct taxes.
Benefits of being a self-employed cleaner include flexibility, control over your business, increased earning potential, and valuable skill development. To start as a self-employed cleaner, research regulations, get permits/licenses, purchase supplies/equipment, create a business plan and marketing strategy to attract clients.