Cleaning insurance – insured cleaning services in Croydon

Cleaning Insurance for Residential and Commercial Clients in Croydon

Choosing a cleaning company is easier when you know your home or business is protected. Cleaning Croydon provides comprehensive cleaning insurance for professional cleaning services across Croydon and the wider CR area. From public liability cover to clear procedures for safe handling and damage cover, we operate with transparency and care so you can book with confidence.

Whether you’re a homeowner, landlord, facilities manager or office admin, we’re happy to provide proof of insurance on request. If you need something specific for a tender or contract, we can supply compliant documentation and discuss cover limits before work begins.

What Our Cleaning Insurance Covers

Our insurance is designed around the real risks of residential and commercial cleaning. While policy details can vary by job, the core protections typically include:

  • Public liability cover: Protection against accidental damage to property or third-party injury arising from our work.
  • Employers’ liability: Cover in place for our employed cleaning teams whilst they’re working at your premises.
  • Goods and equipment: Reasonable cover for the cleaning tools and materials we bring on site.
  • Safe handling and damage cover: Processes to reduce risk when moving light furniture, handling delicate items, or using chemicals/equipment in your property.

If you’re commissioning insurance for commercial cleaning contracts, we can tailor documentation for your compliance team, including method statements and risk assessments relevant to your site.

For a quick discussion about cover and documentation, please contact our team via contact or request details with your quote enquiry via get a quote.

Public Liability Cover: Protection Where It Matters

Public liability cover is central to our approach. It helps safeguard against incidents such as:

  • Accidental damage to fixtures, fittings, or surfaces during cleaning.
  • Slips, trips, or other third-party injuries connected to our activities.
  • Incidents involving detergents, water ingress, or equipment use.

We pair cover with practical risk control. Our teams follow product safety data sheets, use appropriate PPE, and adhere to safe access practices. If your premises require additional controls (e.g., working at height for window cleaning, or out-of-hours access), we can align our method statements to your policies and building rules.

Employee Vetting and Training

Insurance works best when backed by careful hiring and training. We maintain a thorough employee vetting process to help protect your property and maintain consistent service standards.

  • Right-to-work checks and identity verification.
  • Reference checks for relevant experience.
  • Induction training covering chemical handling, colour-coding, equipment use, and site conduct.
  • Ongoing supervision and spot checks to maintain quality and safety.

If you require named operatives or additional screening for sensitive sites, please let us know in advance so we can plan accordingly.

Damage and Breakage Policy: Clear and Fair

Despite robust controls, accidents can happen. Our damage and breakage policy sets out a straightforward path to resolution:

  1. Report: Please notify our office within a reasonable timeframe with photos and a brief description.
  2. Review: We assess the incident, investigate the cause, and propose next steps.
  3. Remedy: Where we are responsible, we aim to repair or replace like-for-like where feasible, or resolve via our insurance if appropriate.
  4. Follow-up: We implement any practical measures to prevent recurrence (e.g., revised products, extra protection, or updated method statements).

Important notes:

  • Pre-existing damage, wear and tear, or unstable items are not covered.
  • We may request manufacturer guidance for specialist surfaces before treatment.
  • High-value or fragile items should be flagged before the visit so we can avoid or apply special handling procedures.

For a detailed overview of what’s included in our cleaning checklists, see our cleaning checklist and speak to our team about any special instructions.

Compliance Documents for Residential and Commercial Clients

If you’re procuring cleaning services for a managed building, office, retail unit, school, or hospitality venue, we can provide the compliance documents you need:

  • Insurance certificates for current policy periods.
  • Method statements and risk assessments aligned to your scope.
  • COSHH and safety data sheets for chemicals used.
  • Site-specific induction or permit-to-work acknowledgement (where required).
  • Attendance logs and sign-in/out procedures to support building compliance.

For residential customers, we can provide simplified documentation on request, including proof of insurance, product information, and safe-use notes for specialist services such as carpet or upholstery cleaning.

If your procurement process requires additional compliance or audits, please let us know during enquiry via how it works or reach out through contact.

Insurance for Professional Cleaning Services: Where It Applies

We support both one-off and regular cleaning across homes and businesses in Croydon:

  • Domestic and regular cleaning: Day-to-day tasks with safe handling and care for finishes, floors, and fixtures.
  • Deep cleaning and end-of-tenancy: Detailed cleans with extra attention to limescale, kitchen degreasing, and bathroom sanitation.
  • Commercial and janitorial services: Offices, retail, gyms, restaurants, warehouses, and schools with scheduled routines and on-site protocols.
  • Specialist services: Carpet, upholstery, mattress, oven, window, and after-builders cleaning, with risk controls tailored to equipment and products.

Explore our full list of services on the services overview page, including office cleaning, deep cleaning, and end-of-tenancy cleaning. If you need contract-specific insurance for commercial cleaning, we’ll work with you to align cover and documentation with your building’s requirements.

Method Statements and Risk Assessments

Clear working methods reduce risk for everyone on site. Before we start a new contract or complex one-off job, we consider:

  • Site access and security: Key collection, alarm codes, sign-in, and lone working considerations.
  • Surfaces and materials: Compatibility testing for cleaning products on stone, wood, or delicate finishes.
  • Electrical and water safety: Safe use of machines, cable management, and spill prevention.
  • Manual handling: Safe movement of light furniture and equipment; two-person lifts if needed.
  • Working at height: Steps, poles, and controls for window and high-dust cleaning.
  • Waste handling: Segregation and disposal according to site policy and local regulations.

We can share method statements and risk assessments in advance for approval. For tendered or audited sites, we align our documentation with your templates if preferred.

What’s Typically Not Covered

While our goal is to be thorough, there are practical exclusions and limitations common in cleaning insurance and service delivery:

  • Pre-existing damage or deterioration, including loose fittings or unstable furniture.
  • Inherent defects or manufacturer-specific care requirements not disclosed to us.
  • Items of exceptional value not identified before the visit.
  • Consequential losses or business interruption unless expressly agreed.
  • Works outside the agreed scope, such as structural alterations or repairs.

If you have high-value items, specialist flooring, or unusual surfaces, please tell us before we start so we can plan the safest approach or agree to avoid certain areas.

How We Minimise Risk On Site

We combine insurance with sensible safety measures to reduce the likelihood of claims:

  • Product selection: Using professional-grade, surface-appropriate products and dilution controls.
  • Colour-coded materials: Preventing cross-contamination between kitchens, bathrooms, and general areas.
  • Equipment maintenance: Regular inspection of vacuums, scrubbers, and steam units.
  • Clear communication: Walkthroughs before and after, noting any concerns and agreeing on priorities.
  • Access planning: Parking, loading, and lift access arranged in advance where possible.

If your building has specific policies (e.g., out-of-hours cleaning, noise limits, or restricted areas), we integrate them into our method statements.

Insurance for Commercial Cleaning Contracts

We work with offices, retail sites, gyms, restaurants, schools, and light industrial premises. For contract cleaning, we can support:

  • Contract-specific certificates and cover limits as required by your procurement.
  • Named site supervisors and attendance logs for compliance.
  • Inductions for building systems, waste processes, and emergency procedures.
  • Periodic reviews to refine risk assessments and scope as your site evolves.

If you’d like to explore a contract, visit pricing for how we build proposals, then submit details via get a quote. Share any insurance thresholds, site rules, or KPIs you need us to meet.

Proof of Insurance on Request

We’re happy to provide up-to-date certificates when you enquire or book. To speed things up, please include:

  • Your site address and service type.
  • Preferred start date and frequency.
  • Any minimum cover levels required by your organisation.
  • Relevant tender or compliance notes.

Our office will respond promptly with the documents you need, usually alongside your written proposal or booking confirmation.

Your Responsibilities as the Client

Working together helps ensure a smooth, safe service:

  • Tell us about access constraints, fragile items, alarms, or sensitive areas.
  • Share care instructions for specialist surfaces (e.g., oiled wood, natural stone).
  • Ensure running water and electricity are available unless otherwise arranged.
  • Confirm parking or loading details to reduce manual handling risks.
  • For commercial sites, share your building H&S policy and induction requirements.

Frequently Asked Questions About Cleaning Insurance

  • Can you clean high-value items? We can clean many delicate items with care, but we may decline or require special instructions. Please flag anything of significant value in advance.

  • Are subcontractors covered? Where approved specialists are used, we ensure they hold appropriate insurance. Documentation can be provided on request.

  • Do you guarantee no damage? No company can promise zero risk. We minimise risk and carry appropriate cover to address issues fairly if they occur.

  • Can you provide RAMS and COSHH before starting? Yes. We can share method statements, risk assessments, and chemical data sheets ahead of works.

  • What about keys and security? We follow agreed key-holding procedures and can sign key logs as needed. Please let us know your building’s policy.

  • Do you have public liability cover for residential jobs? Yes. Our public liability cover applies to both domestic and commercial work.

  • Is accidental damage to my belongings covered? Where we are responsible, we aim to resolve issues through repair, replacement, or insurance, subject to policy terms and exclusions.

  • Can I see your certificates? Absolutely. Request proof with your enquiry via get a quote or contact.

Next Steps

If you’re ready to book with assurance, we’re here to help. Tell us about your property, the service you need, and any insurance requirements. We’ll confirm availability, share documentation, and get you scheduled.

Cleaning Croydon serves homes and businesses across Croydon and the wider CR area with insured, methodical, and respectful service. Share your requirements today and we’ll tailor the right cover and documentation for your clean.