Home services business insurance can help address risks faced by cleaners, gardeners and other domestic service providers. Damage to a client’s property, an injury at a job or stolen tools can disrupt work, while working from home may leave gaps in standard home cover.
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Public Liability Insurance
Professional Indemnity Insurance
Tools and Equipment
Working From Home
Business Income Risks
Reviewing Your Cover
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Insurance for Home and Domestic Service Businesses in Australia
Home services business insurance can help safeguard you if something goes wrong while you are working in a client’s home or from your own home office. The right mix of cover can address public liability, professional advice, tools, and even your business income.
On this site you will find practical guides, case studies, and tools to help you understand insurance for home-based businesses. Explore our articles, check the latest news, and learn more about us on the about page.
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
Assess your risks: List the services you provide, where you work, and the people and property you interact with.
Identify required covers: Consider public liability, professional indemnity, business property, and any additional protections relevant to your services.
Compare options: Review different policy structures, limits, and excesses with a participating broker. Our calculators provide estimates, not policy comparisons or quotes.
Review regularly: Revisit your policy each year or when your business grows, adds staff, or expands services.
Beyond arranging cover, keeping informed about changing regulations and industry trends can help you manage risk and keep your domestic services business resilient.
Tools and Resources to Support Your Insurance Decisions
Use our learning resources, case studies, and regular updates to better understand business insurance for domestic services and home-based work across Australia.
Explore Guides, Tools, and Case Studies
Step-by-step guides explaining insurance for home-based businesses and domestic service providers.
Case studies illustrating how insurance may respond to property damage, theft, and liability incidents.
Calculators to help you estimate cover levels.
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
A client trips over your equipment and suffers an injury, leading to a public liability claim.
A mistake in your professional advice or service causes financial loss and results in a professional indemnity claim.
Tools stored at home are stolen or damaged, disrupting your ability to work and earn income.
Explore your business insurance needs with our Business Insurance Calculator. Use different cost assumptions and business scenarios to estimate potential insurable amounts and better understand the factors that may affect your calculations.
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Knowledgebase
Double Indemnity: A clause or provision in a life insurance policy that doubles the payout in cases of accidental death.
