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Key Insurance Cover for Home Service Providers

• Public liability insurance: Helps protect you if a client or member of the public is injured or their property is damaged due to your work.
• Professional indemnity insurance: Responds to claims that your advice or service caused financial loss.
• Property and equipment cover: Covers business tools, cleaning equipment, laptops, and other gear used for your home services business.
• Home business insurance: Helps close gaps where a standard home policy may not cover business activities conducted at home.

Why Domestic and Home-Based Businesses Need Tailored Cover

Working from home or in clients’ homes can blur the line between personal and business risk, so relying on standard home insurance alone may leave gaps.

Cleaners, gardeners, nannies, tutors, organisers, and other domestic service providers regularly handle clients’ property and work around family members and pets. A simple accident or misunderstanding can quickly turn into a claim, particularly if someone is injured or valuable items are damaged.

Specialised business insurance for domestic services can be structured around how you operate, whether you are a sole trader, subcontractor, or run a small team. Learn how cover can be tailored for you on our about page.

What Insurance Do I Need for My Home Services Business?

Your ideal home services business insurance package depends on where you work, what you do, and who you employ.

• Do you visit clients’ homes for cleaning, gardening, maintenance, childcare, or personal care?
• Do you provide advice or plans (for example, interior styling, organising, or consulting) that clients rely on?
• Do you store stock, tools, or business records at home that would be costly to replace?

Use these questions as a starting point to explore our in-depth insurance articles and practical tools such as our business insurance calculators to help you estimate the level of cover you may need.

How to Arrange Home Services Business Insurance

1. Assess your risks: List the services you provide, where you work, and the people and property you interact with.
2. Identify required covers: Consider public liability, professional indemnity, business property, and any additional protections relevant to your services.
3. Compare options: Review different policy structures, limits, and excesses using tools such as our calculators.
4. Review regularly: Revisit your policy each year or when your business grows, adds staff, or expands services.

Explore Guides, Tools, and Case Studies

• Step-by-step guides explaining insurance for home-based businesses and domestic service providers.
• Real-world case studies showing how insurance responded to property damage, theft, and liability incidents.
• Calculators to help you estimate cover levels and explore how different policy choices affect cost.

Stay Informed and In Control

Visit our articles library for plain-language explanations of insurance terms and cover types that matter to home and domestic service businesses.

Keep up to date with changes to Australian business insurance regulations and market insights via our regular updates on the news page.

Common Risks for Domestic Service Businesses

1. A client trips over your equipment and suffers an injury, leading to a public liability claim.
2. A mistake in your professional advice or service causes financial loss and results in a professional indemnity claim.
3. Tools stored at home are stolen or damaged, disrupting your ability to work and earn income.