Cleaners Insurance
Get your cleaning business covered with VIZ - instant Certificate of Currency, monthly payments at no extra cost, and an Australian team on the phone.
Why do Cleaners need insurance?
A cracked benchtop, a chipped tile, a stained carpet - cleaning work puts you close to other people's property every single day, and one slip up can cost more than the job paid. Insurance is there to help cover that financial hit when something goes wrong.
It's also something clients ask for before you start. Agencies and strata managers will often ask for a Certificate of Currency as proof your cover is in place.
What cover can you get for your cleaning business?
VIZ is built for how cleaners actually work.
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One Policy. Multiple Occupations.
Put multiple occupations under one policy and one premium.
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A live Certificate of Currency & insurance card in your phone's digital wallet.
Pay Monthly at no Extra Cost
Cashflow matters. No extra fees or interest for paying monthly.
One Policy. Multiple Occupations.
Put multiple occupations under one policy and one premium.
Get your VIZ Tradie Pass
A live Certificate of Currency & insurance card in your phone's digital wallet.
What can Cleaners Insurance cover?
Third party property damage
Third party property damage
If you accidentally damage a client's property while cleaning, public liability insurance can cover the costs you're required to pay. For cleaners, that might include scratching a benchtop, spilling cleaning products or chemicals on carpet, or damaging fixtures and fittings while carrying out a job.
Damage from cleaning products and chemicals
Damage from cleaning products and chemicals
Damage to a client's or other third party's property caused by your cleaning products or chemicals can be covered under the policy.
Injuries to third parties
Injuries to third parties
If someone is accidentally injured as a result of your work, public liability insurance can cover the costs you're required to pay. For cleaners, that could mean a client or visitor slipping on a floor you've just mopped, or being injured by equipment left out on site.
Legal costs
Legal costs
If a claim is made against your business that you may be legally liable to pay, the public liability in your cleaning policy can cover the legal costs incurred to defend or settle it.
Theft of your tools
Theft of your equipment
If you add Tools & Equipment cover to your VIZ policy, you can cover your gear - vacuums, specialised cleaning tools, and general cleaning equipment - against theft from a securely locked vehicle or building.
Damage to your equipment
Damage to your equipment
If you add Tools & Equipment cover to your VIZ policy, you can cover your gear for damage from flood, fire, a car collision, or explosion.
What can't Cleaners Insurance cover?
All insurance policies have exclusions which keep premiums fair and reserve cover for genuine, unexpected events. Here are some of the exclusions every insured cleaner should be aware of.
Faulty workmanship
Faulty workmanship
While public liability can cover the damage faulty work causes, it can't cover the cost of redoing the job itself. For example, if a carpet clean leaves marks or fails to lift a stain, the cost of cleaning it again isn't covered. But if that work damaged property other than failing to clean - e.g. damaged floorboards or skirting boards - the cost of that damage could be covered.
Work other than cleaning
Work other than cleaning
Your policy is designed to cover work that would reasonably be expected of a cleaner. If you carry out other types of work, like general maintenance and handyman work, you'll need to include this in your policy for it to be covered.
Injury to your employees
Injury to your employees
An employee is considered part of your business, not a third party. Workers compensation insurance is typically required if you employ workers, depending on your state or territory, and is designed to cover this risk.
Injury to subcontractors
Injury to subcontractors
VIZ cannot cover injury to subcontractors that are working on your behalf - we do this to help avoid conflict with Workers Compensation requirements.
Tools theft from open air
Tools theft from open air
If your equipment is stolen from an open site or an unlocked car, it won't be covered. VIZ's tools cover only applies to theft from a securely locked vehicle or building where there's evidence of forced entry. Cover for open air theft would mean everyone's premium pays for the few who don't lock up - so we chose to exclude it.
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Insurance for house cleaners and domestic cleaning businesses
Most house cleaners work solo or in small crews, moving through occupied homes on a weekly or fortnightly round. A VIZ public liability insurance policy is designed to cover your house cleaning business for third party injury and property damage claims arising from your covered business activities.
Cover for specific services
If your cleaning business takes on contracts solely for specialty services, such as:
- ● Window cleaning (<10m)
- ● Steam cleaning and pressure washing
- ● Carpet and upholstery cleaning
- ● Gutter and facia board cleaning and maintenance
You can add these occupations to the same policy and only pay one premium, which is set by the highest priced trade.
What goes into a Cleaners Insurance policy?
Build your policy from the three types of cover that VIZ offers.
Public & Products Liability Insurance
Why You Might Need It
Public & products liability is the part of your cover that's designed to protect you if your work causes injury to someone else or damage to their property. For cleaners, that can include a client or visitor slipping on a wet floor, or cleaning equipment and products causing damage to fixtures, fittings or surfaces during a job.
It's also something you'll often need before you can start a contract. Agencies, strata managers and commercial clients will typically ask for a Certificate of Currency as proof your cover is in place.
How It Works
You can choose from $5m, $10m or $20m of public liability cover. This is the maximum amount your insurer will pay for claims within a policy period.
With VIZ, your Certificate of Currency is emailed to you instantly after you take out a policy, so you can provide your docs straight away.
Tools & Equipment Insurance
Why You Might Need It
If you're a cleaner, your equipment is what gets the job done and gets you paid. Without it, jobs can grind to a halt.
If you choose to include Tools & Equipment cover, it's designed to help protect your gear if it's stolen or damaged by an insured event, so you can repair or replace it and get back to work.
How It Works
Tools & Equipment cover is an optional extra you can add to your policy.
Choose from $5,000, $10,000 or $20,000 of cover for tools and equipment worth less than $2,500 per item. For cleaners, that could include vacuums, steam cleaners, and other specialised and general cleaning equipment.
If you have higher-value items - like a commercial carpet cleaning rig or pressure washer - these can be listed individually as specified items. You can add up to $30,000 of specified items, giving you up to $50,000 in total cover. You can always add or remove tools from your policy once it's in place.
Tax Audit Insurance
Why You Might Need It
The ATO can audit any business, including cleaning businesses, at their discretion - whether or not there's been a mistake or issue. Some are selected at random, while others are reviewed based on their tax lodgements.
For someone running their own cleaning business, a tax audit can mean dealing with accountants and professional fees while responding to the ATO. If you choose to include tax audit cover, it's designed to help cover those costs and protect your cashflow.
How It Works
Tax audit cover is optional and can be added or removed from your policy at any time. It provides $50,000 of cover if selected, with the option to choose an excess that suits you.
What might a cleaners claim process look like?
Claims are when your cover has to earn its premium - and that matters even more when a client or agency is waiting on you to sort it out.
At VIZ, your claim is handled by Sedgwick, our specialist claims partner. Their job is to walk you through the process end to end and help get your business back to where it was before the loss, with as little disruption as possible.
1.
Lodge your claim
Get the ball rolling by filling out the claim form online, phoning the claims team on 1300 850 491, or emailing your details to vizclaims@au.sedgwick.com. You'll get confirmation once your information's been received.
2.
A representative will get in touch
Someone from Sedgwick will reach out to gather more information - think a rundown of what happened, quotes to repair anything damaged, and any other supporting details.
3.
Claim assessment
Once Sedgwick has all the information that they need, they aim to make a decision within 1 to 10 business days - the timeframe depends on how complex the claim is and responsiveness of any third parties (e.g. your client).
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Frequently Asked Questions
Cleaners insurance with VIZ starts at about $30 a month for $5 million of public liability cover for residential cleaning, or about $40 a month for $10 million. If your work includes office cleaning, pricing starts from about $45 a month for $5 million cover, or $55 a month for $10 million. Your exact premium depends on your cover limit, the number of workers in your business and your state. Paying monthly comes at no additional cost - no extra fees or interest.
Seconds. Your Certificate of Currency is emailed to you the moment you buy your policy, so you can forward it to an agency or strata manager before you start the job.
You can also add it to your phone's digital wallet with the VIZ Tradie Pass, which gives you access to your up-to-date Certificate of Currency on demand.
House cleaning insurance with VIZ starts at about $30 a month for $5 million of public liability cover. Cleaning offices prices higher, from about $45 a month for the same limit. Your premium depends on your cover limit, the number of workers in your business and your state.
Yes. If your cleaning work accidentally damages a client's property - like a scratched benchtop or an expensive broken picture frame - your VIZ public liability policy is designed to cover the third-party property damage claim, including legal costs and compensation. Subject to policy terms and conditions.
Yes. VIZ public liability insurance is designed to cover cleaning work across residential homes, offices and end of lease cleans under the one policy. If your business does work in offices, be sure to select 'Office work' accordingly on your quote.
Public liability insurance is strongly recommended, and often required, for cleaners in Australia. Strata managers, real estate agencies and cleaning agencies typically require cleaners to hold current cover before starting work. It's designed to cover the costs of third party injury or property damage claims that arise from your covered cleaning business activities.
Yes. If a client, agency or property manager needs to be listed as an interested party on your Certificate of Currency, you can request this by emailing or calling the VIZ team directly. You can also put it on your policy when you first put a quote in place.
Things to know
Monthly Payments vary by state due to state-based stamp duty charges. VIZ charge an annual $25 Policy Fee + $2.50 GST payable in addition to your premium. The prices shown are based on selecting a $500 excess and are an indication only. Your premium will be calculated based on the information you provide to us during the insurance application process.
You can add up to two occupation categories on to your quote online. Some of these categories contain two different trades, e.g. 'Landscaping and renovations'. If you need additional business activities covered or have any questions about our policies, give us a call on 1300 216 226 or email us at hello@vizinsurance.com.au.