You hold keys to buildings you don’t own.
Commercial insurance for cleaning contractors of any size: a small team on a handful of contracts, or a firm with a depot and a hundred staff on the payroll.
Cleaning contractor insurance
Usually includes
Public liability
Employers’ liability
Fidelity & dishonesty
Premises & contents
Business interruption
Stock & consumables
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is cleaning contractor insurance?
Cleaning means your people are inside other organisations’ buildings, usually out of hours and often with the keys. Damage, loss and allegations of theft all come with that access, and a large cleaning business has a payroll bigger than almost any other trade of the same turnover. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Access to other people’s buildings
Keys, alarm codes and unsupervised access. Trust is the product.
A large workforce
Cleaning is people-heavy, and that shapes the whole risk.
The days you can’t operate
If the depot is out of action you can’t equip crews, and contracts don’t pause.
Who it’s for
Whatever you clean.
✓
Commercial office cleaning
Contract cleaning for offices and workplaces.
✓
Industrial & factory cleaning
Production areas, plant and heavy-duty work.
✓
Specialist cleaning firms
Deep clean, post-construction and hygiene work.
✓
Window & facade cleaning
Including work at height and reach-and-wash.
✓
Domestic cleaning businesses
Housekeeping and residential contracts.
✓
Firms with a depot
Machinery and consumables held in, crews equipped daily.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, in a client’s building or your own premises.
Employers’ liability
Required by law from your first employee, and in this trade it’s usually the biggest part of the policy.
Fidelity & dishonesty
Theft by one of your own people, on a client’s premises or your own. The liability sections do not answer it.
Premises & contents
The depot, unit or office you work out of, and everything in it.
Business interruption
If the depot is out of action you can’t equip crews. This covers the trading you lose.
Stock & consumables
Machinery, chemicals and consumables at the depot or in the vans.
Tools, plant & equipment
Machines, vacuums, floor equipment and powered kit.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Vans on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by cleaning contractors at any size, from a small team on a few contracts to a firm with a depot and a large payroll. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
Keys and access
Holding keys is a specific exposure worth naming. Replacing locks and keys after a loss is usually an extension rather than a standard section.
Working at height
Window and facade cleaning gets looked at separately.
Payroll size
Cleaning is people-heavy, and Employers’ Liability scales with that.
Chemicals on site
What you store and use affects how the premises risk is viewed.
Every contract is different.
A small office round and a factory deep clean don’t carry the same risk. We ask different questions, and we’ll quote both.
Cleaning contractors
Office cleaning
Commercial cleaning
Industrial cleaning
Factory cleaning
Deep cleaning
Post-construction clean
Hygiene services
Cleaning contractors
Office cleaning
Commercial cleaning
Industrial cleaning
Factory cleaning
Deep cleaning
Post-construction clean
Hygiene services
Window cleaning
Facade cleaning
Reach & wash
Carpet cleaning
Floor care
Washroom services
Domestic cleaning
Contract cleaning
Window cleaning
Facade cleaning
Reach & wash
Carpet cleaning
Floor care
Washroom services
Domestic cleaning
Contract cleaning
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Payroll size changes the premium
Employers’ liability is rated on wages, so a firm with a hundred cleaners on the payroll and a small team on a few contracts are priced on different numbers. We ask for the payroll before we approach anyone.
02
Cover that reflects the access
Keys and unsupervised access to client buildings is the exposure that matters most.
03
Certificates your contracts will accept
Facilities managers and agents want proof before you start. We turn it round quickly.
04
We present the risk right
Contract mix, payroll and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your cleaning contractor cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Holding keys to client premises is a specific exposure, so how you manage access is worth setting out clearly.
Cleaning is people-heavy, and Employers’ Liability scales with the size of your payroll.
We approach insurers on our panel who write cleaning contractor risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Cleaning contractor questions, answered straight.
What insurance does a cleaning contractor need?
Am I covered for damage caused in a client's building?
Does holding keys to client premises need flagging?
Does window or facade cleaning change my cover?
Can my vans go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.