Insurance is one of those things that doesn’t matter at all — until something goes wrong. Here’s what it actually means for you as a customer, and what’s worth checking before booking.
A properly insured cleaning company should carry public liability insurance, which covers damage to your property caused during the cleaning process. Insurance is about who covers the cost if an accident happens.
Cleaning inherently involves handling your belongings, moving furniture, and working around water, electrical fixtures, and fragile items. An uninsured provider leaves you personally exposed if something is damaged.
Beyond insurance, police checks are a separate but related trust signal — confirming the individual entering your home has been vetted.
Reputable providers factor this into standard pricing rather than charging it as a separate line item.
Treat this as a genuine red flag rather than an oversight.
Requirements vary by service type, but many reputable providers apply it as standard practice regardless.
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