Insurance for Commercial Cleaners

Cleaning Insurance for Commercial Cleaners provides protection against risks like property damage, injury to third parties, and theft of tools or equipment. Whether you’re cleaning offices, retail premises, medical facilities, or industrial sites, insurance is essential to operate safely and professionally.

Do Commercial Cleaners Need Insurance?

Yes — cleaning commercial premises comes with serious responsibility. You’re often working around expensive equipment, public areas, and client staff. A single accident could result in a large claim. Commercial cleaning involves higher-value contracts, more complex environments, and greater exposure to public liability. Whether you clean day or night, solo or as part of a team, we help you find insurance that covers Public Liability, Tools, Income Protection, and Vehicles — tailored to your cleaning business.

Compare commercial cleaner insurance quotes

We work with Australia’s top insurers to provide fast, competitive quotes for cleaning contractors — whether you clean for real estate agencies, businesses, shopping centres or strata properties.

Commercial Cleaner Insurance Brokers

At Ausure, we specialise in arranging cover for commercial cleaners and understand the specific risks faced by businesses in your industry. We compare cleaning insurance policies from trusted insurers such as QBE, Vero, CGU, Zurich, and Allianz — offering flexible policies for commercial cleaners and cleaning contractors across all industries.

What insurance does a Commercial Cleaner need?

In addition to public liability insurance, which covers cleaning businesses for property damage or personal injury that a third party suffers as a result of work activities, the type of insurance your business needs depends on your clients and the cleaning work you provide. Here are the most common types of insurance for commercial cleaners in Australia:

Public Liability

Provides essential protection for cleaners working on commercial premises. Covers you if a client slips, you damage property, or leave a hazard unattended.

General Property (Tools Insurance)

Covers vacuums, scrubbers, pressure washers, steamers, or specialty equipment if stolen or damaged in transit or on-site.

Personal Accident

Protects your income if you’re injured or become ill. Commercial cleaning often involves physical strain — this cover ensures you’re still paid if you can’t work.

Commercial Motor Insurance

Protects your work vehicle, especially if it’s used for transporting equipment between sites.

How Much Does Commercial Cleaner Insurance Cost?

The cost of business insurance for a cleaning company depends on factors like the type of premises you clean, number of employees and the amount of cover. Most commercial cleaners find they can get the business insurance with annual and monthly payment options generally available, depending on the insurer.

Get Commercial Cleaning Insurance Quotes

Complete the form to get quotes for commercial cleaner Public Liability, Tools, Accident, and Vehicle Cover. One simple application — multiple quote options.

Request a Quote for Your Insurance Needs

What does your Insurance enquiry relate to?

Before we get started, what type of service are you looking for?

A full review by an Insurance Broker
Full Review to assess what insurances are required by a Insurance Broker

I know what I need - no advice or review required
No review or advice - quotes for insurance covers and limits you request. Depending on your enquiry, we may require additional information to provide a quote.

Select your preferred level of service below:

What is the primary type of Business, Trade, or Service that you provide?

Referrer Name

Brand

Lead Source

Lead Type

Referrer Type

Office

Type

Business Details

What is your Business Name?

ABN (Optional)

Type of Business, Trade, or Service that you provide?

Do you have a building license?

What is your estimated Annual Turnover for this year?

No. of Employees including yourself

Does your business employ Contractors and/or Sub-Contractors or Labour Hire personnel?

Approximate $ paid to Sub Contractors/Contractors:

Do you ensure that Contractors, Subcontractors and/or Labour Hire personnel have their own liability, and keep record of where applicable, where necessary?

Tell us about the types of services and work you do for clients:

Business Activities

Do you do any work or provide services to customers in the following industries?

Manufacturing
Civil Works
Aviation
Marine

Mining
Oil and Gas
Public Utilities

Types of Services/Work Completed

Do you perform external work over 10M in height?

Does your work involve welding?

Do you perform underground work over 3M in depth?

Select Required Insurance Covers

If you are unsure or would like more information on any of the cover types, select 'Yes'.

Insurance Basics
Insurance types that are essential for most business and industry types.

	Yes
Liability
General Property (Tools)
Personal Accident
Commercial Motor
Contractual Liability
Workers Compensation
Other

Business Insurance Types Generally Required
Covers that are commonly required for most Businesses.

	Yes
Contract Works
Burglary
Business Interruption
Corporate Travel
Cyber
Flood
Fire & Perils
Glass
Money
Management Liability
Professional Indemnity
Trade Credit
Transit

Insurance That Applies to Some Businesses
Covers that are relevant for some businesses. generally taken by others in your industry to protect the essential risks of doing business.

Insurance That Applies to a Few Businesses

	Yes	No
Aviation
Environmental Liability
Cancellation & Abandonment
Marine Hull and P&I
Shiprepairers Liability
Investment Properties
Political Risk
Voluntary Workers

Businesses Relating to Customers Goods & Vehicles

Farm Insurance Cover Options

	Yes
Crop
Drones Insurance
Home Buildings
Harvested Crops
Gates & Fences
Livestock
Working Dogs
Farm Property
Farm Motor Vehicles
Farm Interruption
Machinery Farm Interruption
Motor Farm Interruption
Theft of Farm Property
Theft Farm Machinery
Other

	Yes
Home Insurance
Car Insurance
Landlord Insurance
Boat
Other

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

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tfa_general_property annual

Customise Your Liability Insurance

Preferred limit of Liability

$5M Limit$10M Limit$20M LimitNot sure / Other

Customise Your Personal Accident Insurance

Select your level of Personal Accident cover

$1000 per week Personal Accident$1500 per week Personal AccidentOther

Do you want to be covered for Accident Only OR Sickness too?

What is your Date of Birth?

Do you have any pre-existing medical conditions?

Please provide details

Customise Your General Property (Tools) Insurance

Level of General Property Cover Required

$5000 Tools Cover$7500 Tools CoverOther

Do you have any one Tool that is worth more more than $3000 in value?

Tools Over $3,000 In Value

Please specify items and values for each where value is more than $3000

Would you like us to suggest additional insurance types relevant to your Business?

price10m

price20m

price5m_monthly

price10m_monthly

price20m_monthly

Total

Selected Cover Option

Trigger Instant Quote

Quote success

Cover selected

insurance_personal_accident_annual

InsightID

insurance_personal_accident_monthly

Session ID

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

price5m

Session ID

Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
Have you ever been declared bankrupt?
Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Do any of the above apply to you?

Please Provide Additional Details

Claims History

Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
Have you had any Business or Personal Insurance claims in the last 5 years?
Within the last 5 years, have you ever been charged or convicted of a criminal offence?

Is the answer YES to any of the above?

Please Provide Additional Details

Your Contact Details

First Name

Last Name

Mobile Phone Number

Your Existing Policy Details

To assist us in forwarding your enquiry to your current Insurance Broker, please provide details relating to your existing policies below.

Name of your Insurance Broker or Brokerage

If you are unable to provide the above, please provide details that may assist us in identifying your broker:
- Policy Number/s
- Insured's Name, Email or Phone Number listed on the policy
- Address listed on the policy

Details of you Enquiry

Address Details

Providing your address will allow us to allocate your enquiry to the appropriate team.

Street Address

City

Postal Code

State

Country

Tell us About Your Farm

What is the size of your property?

Please provide additional details about your Farm operations

Upload a copy of your current Insurance Policy Schedule

Save time and upload your current business insurance policy schedule.

Please provide additional details on how we can assist you:

Anything else you would like us to know?

Thank you for choosing Ausure.
Your enquiry has been received and is now with our specialist team.
We’ll be in touch shortly to discuss your insurance requirements and guide you through the next steps.

Expert Knowledge

A professional broker ensures you have suitable coverage for your unique needs, giving you peace of mind with a tailored insurance program.

Save Time and Money

An insurance broker saves you time and money by understanding your business and securing quotes from leading insurers on your behalf.

We Are On Your Side

Your Ausure broker ensures you have adequate cover and handles the entire claims process, advocating for the outcome you deserve.

How Much Liability Insurance do Commercial Cleaners Need?

Most businesses choose $10 million or $20 million in Public Liability Insurance. Higher limits are often required for:

Carpenters Insurance FAQs

Can I cover equipment like vacuums and polishers?

Yes — we cover most portable and commercial-grade cleaning equipment.

What if I hire subcontractors or staff?

Let us know — we’ll ensure your policy includes the correct cover for your business structure.

Do I need extra cover for cleaning medical or food premises?

Yes — higher-risk cleaning sites may require specialised wording, which we can provide.

Can I use my personal car for cleaning jobs?

We can help arrange cover for private-use vehicles used in your cleaning business.

What are some examples of commercial cleaner public liability claims?

Examples of real public liability claims include:

Slip on Wet Floor: A shopping centre patron slipped in an area mopped without signage. The insurer paid $15,600 in legal and medical costs.
Chemical Damage: A commercial cleaner used the wrong product on a timber floor, leading to staining. The repair bill was $4,800 — covered by insurance.
Vacuum Cord Trip: A staff member at a medical clinic tripped over an unattended vacuum cord. The claim totalled $9,300.

Commercial Cleaner Insurance Australia-Wide

Ausure helps commercial cleaners like you find the most appropriate insurance for your business. Wherever you’re located — ACT (Australian Capital Territory), NSW (New South Wales), QLD (Queensland), SA (South Australia), VIC (Victoria), or WA (Western Australia), commercial cleaners can find an insurance that suits their needs through our key insurance partner.

What makes Ausure the Right Choice for Commercial Cleaning Insurance?

Fast quotes tailored to your contracts and business size
Cover for tools, vans, trailers, and income protection
Help with compliance for government or commercial tenders
Full support for claims and renewals
Monthly or annual payment options

Our Story

Ausure began back in 1996, with founding offices in NSW, Victoria and the ACT. Since then, the business has grown to become one of Australia’s largest and most widely respected financial services companies.

	Yes	No
Audit & Investigation
Employee Dishonesty
Electronic Equipment
Machinery Breakdown
Machinery Business Interruption
Motor Business Interruption
Product Recall

	Yes	No	Not Sure
Customers Vehicles at Business
Customers Vehicles on Road
Driving Risk
Faulty Workmanship
Liability for Customers Vehicles

Commercial Cleaning Insurance

Find a suitable commercial cleaner insurance cover at an affordable price for your business.