Insurance for Residential Cleaners

Residential Cleaning Insurance helps protect cleaners working in homes and apartments from legal claims, accidental damage, and lost income due to injury. Whether you’re self-employed, subcontracting, or running a small cleaning business, insurance is essential to protect your work, your clients, and your reputation.

Do House Cleaners Need Insurance?

Yes — cleaning inside someone’s home comes with a high duty of care. You’re liable for property damage, injury to occupants, or even allergen exposure from products. Insurance protects your business from lawsuits and out-of-pocket costs. Residential cleaning comes with risks — spilled chemicals, broken items, and trip hazards can all lead to liability claims. If you clean in private homes, Airbnbs, or strata units, we help you get fast, affordable domestic cleaning insurance quotes for Public Liability, Tools, and Personal Accident cover.

Compare Residential Cleaner Insurance Quotes

We compare leading insurers who specialise in cover for domestic and house cleaning services. Whether you clean part-time or operate a full-time service, we’ll match you with the most appropriate protection for your needs.

Residential Cleaning Insurance Brokers

At Ausure, we specialise in arranging cover for tradespeople and understand the specific risks faced by businesses in the cleaning industry. We compare residential cleaner insurance from trusted insurance partners, including CGU, Vero, QBE, Allianz, and Zurich — with policies tailored for domestic cleaning professionals and small business operators.

What Insurance Does a Residential Cleaner Need?

Along with public liability insurance, which covers cleaning businesses for property damage or personal injury that a third party suffers as a result of your activities, the type of insurance you need depends on factors such as business size, the homes you clean and where you operate. Here are the most common types of insurance for house cleaners in Australia:

Public Liability

covers claims if you damage property or someone gets injured due to your work — like spilling water on a floor where someone slips.

General Property (Tools Insurance)

Covers portable cleaning equipment such as vacuums, polishers, steamers, or eco-cleaning kits from theft or accidental damage.

Personal Accident

If you hurt your back, slip during a job, or become unwell, this insurance pays a weekly income while you’re unable to work.

Commercial Motor Insurance

If you travel to client homes using your own vehicle, commercial vehicle cover protects you against damage, theft, and transit risks.

How Much Does Domestic Cleaner Insurance Cost?

The cost of house cleaner insurance depends on factors such as the areas you service, the specific services you provide and the amount of cover required. Most house and residential cleaners find they can get the insurance cover they need with annual and monthly payment options generally available, depending on the insurer.

Get Residential Cleaning Insurance Quotes

Fill in the quote form to get quick, no-obligation quotes for house cleaner Public Liability, Tools, and Personal Accident Insurance — with monthly or annual payment 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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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?

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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 coverage that meets 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're covered and handles the entire claims process, advocating for the outcome you deserve.

How Much Liability Insurance Do Residential Cleaners Need?

Most cleaners choose $5 million or $10 million in Public Liability Insurance. Strata or agency contracts may require higher levels.

FAQs About Residential Cleaning Insurance

Do I need insurance if I clean solo?

Yes — even solo operators are personally liable for property damage or injury caused on-site.

What if I use natural or eco products?

Yes — your equipment can be insured under General Property.

Do I need a business ABN?

Not always, but it’s recommended for formal policies. We can advise based on your setup.

What are some examples of public liability claims?

Examples of real public liability claims include:

Damaged Marble Benchtop: A cleaner used the wrong product on a stone surface, causing permanent damage. Liability claim: $6,200.
Slip & Fall Incident: A client slipped on a wet bathroom floor that was not signposted. The insurer paid $9,300 in injury compensation and legal fees.
Broken TV During Dusting: A flat-screen TV was accidentally knocked off a low table. Liability claim paid $1,900.

Domestic Cleaning Insurance Australia-Wide

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

What Makes Ausure the Right Choice for Your Cleaner Insurance?

Fast quotes tailored to residential cleaning
Optional tools, income protection & vehicle cover
Full support managing claims and renewals
Easy online application process
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

Residential Cleaning Insurance

Find a suitable residential cleaning insurance cover at an affordable price for your business.