Whether you are a sole trader doing residential cleans, a subcontractor working under a larger business, or running your own cleaning team across Brisbane. You need the right insurance keeping you protected when something goes wrong on the job.
Cleaning work puts you in other people's homes and businesses every day. That means constant exposure to third-party property, expensive surfaces, and client belongings. One accident whether it be a spill, a scratch or a broken item, can quickly become a costly claim without the right cover in place.
At Monarch Insurance Brokers, we help Brisbane cleaners get insurance that matches how they actually work.
Who We Cover
We work with all types of cleaning businesses operating in Brisbane and Queensland
Residential Cleaners
Regular domestic cleans, one-off cleans, and Airbnb turnovers.
Commercial Cleaners
Offices, retail spaces, and strata properties
Bond Cleaners
High-pressure cleans with increased property damage exposure
Carpet & Specialist Cleaners
Using equipment and chemicals with specific coverage needs
High-rise & Window Cleaners
Elevated risk work requiring appropriate liability limits
Sole Traders & Subcontractors
Including those working under a head contractor or franchise
Cleaning Businesses with staff
Including businesses managing teams across multiple sites
Your vacuum cleaners, steam cleaners, pressure washers, and specialist equipment are essential to your operation. Tools & Equipment Insurance covers your gear against theft, accidental damage, and loss — whether it's in your vehicle, at a client's premises, or in transit between jobs.
Public Liability Insurance
As a cleaner you are in other people's homes and businesses every day. Public Liability Insurance covers you for claims of third-party injury or property damage that occur while you are working, whether a client slips on a wet floor, a surface is damaged by cleaning products, or a belonging is accidentally broken on the job.
Business Pack Insurance
A Business Pack bundles essential covers into a single policy; including office contents, equipment, and business interruption. For cleaning businesses with a fixed premises or growing team, it is the most cost-effective way to make sure the core risks are covered under one policy.
Commercial Motor Vehicle Insurance
A standard personal car policy does not cover your vehicle when it is being used to generate income. Commercial Motor Vehicle Insurance covers your van or car for accidents, theft, and damage while being used for work, whether driving between jobs or transporting equipment across Brisbane.
Tools And Equipment Insurance
Your vacuum cleaners, steam cleaners, pressure washers, and specialist equipment are essential to your operation. Tools & Equipment Insurance covers your gear against theft, accidental damage, and loss. whether it's in your vehicle, at a client's premises, or in transit between jobs.
Personal Accident and Illness Cover
If you're a sole trader and you can't work due to injury or illness, your income stops. There's no sick leave and no employer to cover you. Personal Accident and Illness Insurance replaces a portion of your income while you're unable to work.
Management Liability Insurance
If you run a cleaning business with employees, Management Liability Insurance protects you and your business against claims arising from the way the business is managed including unfair dismissal claims, workplace disputes, and employee fraud.
Commercial Property Insurance
If you operate from a fixed premises. a depot, storage facility, or office then Commercial Property Insurance protects your building and contents against fire, theft, storm, and other insured events. Essential for cleaning businesses storing equipment, chemicals, and stock on-site.
Tools And Equipment Insurance
Cover Types for Cleaners
Relying on Client's Insurance
Underinsuring Tools & Equipment
Using a personal vehicle policy for work
What Cleaners Often Get Wrong With Insurance
Quick Summary
Below are some of the common missteps cleaning businesses may make with their cover.
Some cleaners assume that because they are working at a client's property, the client's insurance will cover any incidents. It will not cover your liability for damage you cause.
Specialist cleaning equipment can be expensive to replace. Many cleaners insure at purchase price rather than current replacement cost, leaving a gap when they need to make a claim.
Driving to and from jobs in a vehicle insured under a personal policy can void your cover entirely if you are involved in an accident while using it for business purposes.
Why Monarch?
Why choose us as your brokerage
Personalised Service
We take the time to understand your business, tailoring insurance solutions to fit your exact needs rather than offering a one-size-fits-all policy.
Expert Guidance
Our team brings deep industry knowledge and explains your options in plain language, helping you make confident, informed decisions.
Trusted Claims Support
If the unexpected happens, we stand by your side. We’ll guide you through the claims process and advocate on your behalf to get the best outcome.
Local Focus, Real Relationships
As a Brisbane brokerage, we’re invested in our community and committed to building lasting relationships, not just policies.
Frequently Asked Quetions
Questions regarding cover relevant to your industry.
Protect Your Cleaning Business, Big or Small
At Monarch Insurance Brokers, we work with cleaners across Brisbane and Southeast Queensland. From sole traders just starting out to established businesses managing teams across multiple sites.
We understand the cleaning industry. We know the difference between what a residential sole trader needs and what a commercial cleaning business with ten staff requires. And we work with a panel of insurers to find cover that fits your actual operation and not a generic small business package that may leave gaps in the areas that matter most.
