Comprehensive insurance solutions designed specifically for commercial cleaners, domestic cleaners, and cleaning companies across New Zealand. Protect your business with tailored cover.
The cleaning industry in New Zealand is a vital sector, serving offices, schools, hospitals, hotels, and homes across the country. Whether you're a solo domestic cleaner or manage a commercial cleaning company with dozens of staff, the right insurance protects your livelihood.
Cleaning work involves unique risks - from slippery floors and chemical exposure to accidental damage to client property. A single incident could result in costly claims that threaten your business. Many property managers and commercial clients now require proof of insurance before awarding contracts.
In New Zealand, cleaning businesses have specific legal obligations. While ACC provides cover for workplace injuries, it doesn't cover everything. Businesses must comply with Health and Safety at Work Act 2015 requirements, and many commercial contracts require specific liability coverages. If you employ staff, you may also need employers liability insurance.
Essential for all cleaning businesses. Covers legal costs and compensation if you accidentally injure someone or damage property. Most commercial clients require $1M-$2M minimum cover.
Protect your vacuums, mops, buffers, steam cleaners, and other equipment from theft, damage, or loss. Essential whether equipment is stored at your premises or in your vehicle.
Cover for your van, ute, or truck used for cleaning work. Includes coverage for equipment stored in the vehicle, with options for single vehicles or fleet cover.
If you employ cleaners, this covers claims from employees for work-related injuries or illness not covered by ACC. Required for businesses with staff.
Specific cover for accidental damage to windows, glass doors, and mirrors during cleaning work. Particularly important for high-rise buildings and commercial premises.
Cover for claims arising from cleaning chemical exposure, allergic reactions, or damage to surfaces from cleaning products. Important for businesses using specialized chemicals.
The cleaning industry faces various risks daily. Understanding these helps you ensure you have the right cover in place for your business.
Wet floors, freshly mopped surfaces, and cluttered spaces create slip hazards. Falls are one of the most common causes of injuries in the cleaning industry and can result in significant claims.
Damage to client property is a significant risk - from scratched floors and broken ornaments to water damage. Commercial premises with expensive fittings are particularly vulnerable.
Vacuum cleaners, buffers, and other equipment are attractive targets for theft, especially when left in vehicles. Equipment theft can disrupt operations and be costly to replace.
Cleaning chemicals can cause skin irritation, respiratory issues, or allergic reactions for both cleaners and building occupants. Improper handling can lead to claims.
Driving between job sites increases the risk of accidents. Accidents can result in repair costs, hire vehicle expenses, and potential liability claims from third parties.
Repetitive strain from mopping, vacuuming, and lifting is common in cleaning. These injuries can lead to time off work and potential claims.
Insurance costs vary based on your cleaning business type, size, turnover, claims history, and the specific covers you need. Here's a general guide for NZ cleaning businesses:
| Cover Type | Annual Cost Range | Factors Affecting Cost |
|---|---|---|
| Public Liability | $600 - $2,500+ | Business type, client types, contract requirements |
| Tool & Equipment | $250 - $1,200 | Total equipment value, storage method, security |
| Commercial Vehicle | $1,200 - $4,500+ | Vehicle type, usage, driver history |
| Employers Liability | $500 - $3,000+ | Number of employees, wage roll, claims history |
| Income Protection | $400 - $1,500+ | Income level, waiting period, benefit period |
Note: These are indicative figures only. Get a custom quote to find accurate pricing for your specific situation. Many insurers offer discounts for combined policies, security systems, or professional certifications.
Speak to a broker who understands the cleaning industry. We'll find the right cover at competitive prices.
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Explore these insurance solutions commonly needed by cleaning businesses in New Zealand
Protect against third-party injury and property damage claims
Cover for employee injuries and claims
Cover for cleaning equipment, tools and plant
Cover for vans, utes and fleet vehicles
Protect your income if you can't work due to illness or injury
Cover for equipment in transit between job sites
Get comprehensive insurance cover tailored to your cleaning business. Our brokers understand the unique risks faced by NZ cleaners.
No obligation quotes. Competitive rates. NZ-based claims support.