Domestic services insurance refers to insurance for domestic workers who offer services like cleaning, gardening and various domestic repairs. Whether you’re a cleaner or chauffeur, getting insurance can help protect the business you’ve worked hard for in case things go wrong.
For example, if you damage a client’s belongings while cleaning or repairing them. If your client then makes a claim against you, this could create extra costs for your business and impact your operations and reputation.
Most domestic services businesses will consider getting Public Liability Insurance (also known as General and Products Liability Insurance). This is designed to cover claims of injury or damage to others, as well as certain legal costs in the event of a dispute. You can choose your level of Public Liability Insurance and explore other cover options for your tools and equipment, vehicles and more when you get your Business Insurance quote.
If you offer general cleaning services to residential and commercial properties, including both interior cleaning and exterior cleaning of the property. This also includes carpet, upholstery and rug cleaners.
If you provide garden maintenance services at residential homes or commercial properties.
If you provide grounds maintenance services such as mowing, pruning, planting, watering and fertilising.
If you’re a handyman or property maintenance worker who carries out various small repair and maintenance jobs, usually on residential or smaller commercial properties.
If you offer washing and grooming services for pets.
Here are some of the covers available when you get your Business Insurance. You can mix and match to create a policy with the covers you’re looking for.
For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.
Covers insured property like buildings, contents or stock, for damage from fire, storms and other covered causes2.
For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2.
Covers insured property like business contents and stock from loss or damage due to theft2.
Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.
You can insure the vehicles or trailers used in your business, with different levels of cover available2.
Cover for specified business cash, for loss caused by theft or accidental damage2.
Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.
Cover for your office’s computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.
Cover for sudden and unforeseen breakdown of your specified business machinery2.
For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.
Cover for loss of money or goods caused by employee fraud or dishonesty2.
This can provide you with a weekly benefit, if you can’t do your regular work due to a covered injury or illness2.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
A Certificate of Currency is proof that you have an active policy.
A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.
Cleaners might want to consider Public Liability Insurance to cover their businesses in the event of a liability claim. Whether you have a cleaning business or offer gardening or pet grooming services, having insurance can help protect what matters most to your business, like your cash flow or equipment.
Our Public Liability Insurance (also called General and Products Liability Insurance) is designed to cover claims that could arise from a range of different accidents. For example, if you damage part of a client’s home or you injure someone with one of your power tools.
When you get your Business Insurance quote, you can tailor a policy to suit your business’s specific needs. For example, you can choose a Public Liability Insurance cover limit of up to $5 million, $10 million, $15 million or $20 million. Or if you need more cover, call us on 132 818.
You may also want to get cover for other things that are important to your business. That’s why we offer a range of cover options including cover for your work tools, equipment, vehicle and more.
For more information about what’s covered, read the Product Disclosure Statement (PDS).
It depends on a number of factors, including the type and level of cover you choose, the type of business you run and how many staff you have.
The quickest way to get an estimate of how much it costs is to get a quote.
Professional Indemnity Insurance is designed for professionals who offer services as part of their business, like accountants, architects, graphic designers, marketing consultants, personal trainers, business analysts and more. This cover helps protect professionals in case they are negligent or make some other error while providing their services to clients.
If you don’t give advice as a domestic worker, you’re less likely to be at risk of claims resulting from professional advice you’ve given to clients.
Mix and match our policy cover options and pay your premium by the month at no extra cost
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This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations available from this website.
