Insurance for commercial cleaning businesses
We arrange insurance for commercial cleaning companies, contract cleaners and specialist cleaners Australia-wide, including office, strata, retail, medical and end-of-lease cleaning.
Many cleaning contracts set minimum liability limits and specific conditions. We review those requirements and compare cover across a range of insurers.
Typical covers
Common covers we can arrange. The right mix depends on your business, and not every cover suits everyone.
- Public and products liability
- Care, custody and control
- Loss of keys and lock replacement
- Tools and portable equipment
- Commercial motor vehicles
- Business interruption
- Management liability
- Personal accident and illness (for business owners)
- Cyber insurance
Ask us about certificates of currency for head contractors and facility managers, and about cover for subcontractors who work under your business.
Key risks we help you plan for
Slips on wet floors
A customer or member of the public slipping on a freshly cleaned floor is one of the most common cleaning claims.
Damage to client property
Chemicals, equipment or a simple mistake can damage carpets, stone, fixtures or electronics.
Lost keys and access cards
Lost keys can mean paying to re-key an entire building, which can be costly.
Theft allegations
Cleaners work after hours in client premises, so allegations of theft or damage can arise.
Contract requirements
Head contracts often require specific liability limits and wording before you can start work.
Vehicle and equipment loss
Theft of vans, machines and equipment can stop you working.
How we work with you
Independent broking, Australia-wide, with one point of contact.
- We learn how your business operates and what your contracts require.
- We compare cover across a range of insurers.
- We explain the key inclusions, exclusions and excesses in plain English.
- We support you at renewal and through the claims process.
Frequently asked questions
How much public liability do cleaners need?
Many commercial contracts ask for $10 million or $20 million, but requirements vary. We check your contracts and compare options across limits.
Is damage to the property I’m cleaning covered?
Some public liability policies exclude property in your care, custody or control. Specific extensions may be available, so we check the wording for the work you do.
Do my subcontractors need their own insurance?
Often yes. Many policies and contracts expect subcontractors to hold their own cover, and you may need to collect certificates of currency.
Can you cover lost keys?
Many cleaning liability policies can include a lost keys and locks extension, subject to limits. We can help you check this.
Talk to us about your cover
Call or email us and we’ll review your current insurance and talk through your options. We service clients Australia-wide.
Get in touch
- Phone
- (03) 9078 6473
- info@mminsure.com.au
- Hours
- 9:00am to 5:30pm, Monday to Friday
This information is general advice only and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD), available from us or the insurer. Cover is subject to the insurer’s acceptance, terms, conditions, limits and exclusions. We make no guarantee that cover will be available or that any claim will be paid.
M & M Insurance Services Pty Ltd ABN 54 664 837 138 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 | AFSL 238433. Please read our Financial Services Guide.