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Protect your home services or domestic business with insurance arranged through specialist brokers who understand how you actually work. Whether you clean homes, provide childcare, offer gardening, repairs or consulting from home, we help connect you with licensed brokers who can assist you in exploring cover options and arranging practical protection for liability, equipment, and income.

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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

  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.

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.
  • 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.

Business Insurance Calculator

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Estimate your business insurance needs with our Business Insurance Calculator. Calculate the right levels of cover to protect your business operations and secure your financial livelihood.

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    Insurance News

    Insurer Conduct Report Reinforces the Value of Claim-Ready Cover
    Insurer Conduct Report Reinforces the Value of Claim-Ready Cover
    11 Aug 2026: Paige Estritori
    Fresh industry code reporting has put claims conduct back under the microscope, with continuing attention on how general insurers communicate, explain decisions and respond when customers need help most. For domestic and home service businesses, the development is more than a compliance story. It is a reminder that insurance is not just about having a certificate on file; it is about whether the cover, records and expectations are strong enough when a claim is lodged. - read more
    Insurance Complaints Put Claims Preparation Back in Focus
    Insurance Complaints Put Claims Preparation Back in Focus
    01 Aug 2026: Paige Estritori
    The Australian Financial Complaints Authority’s latest reporting has again highlighted insurance as a major source of disputes, with claim delays, communication breakdowns and disagreements over policy outcomes remaining common pressure points. For domestic and home service businesses, the message is practical: the strength of a policy is often tested not when it is bought, but when a claim is made. - read more
    Why Insurance Tax Reform Is Back in Focus for Small Operators
    Why Insurance Tax Reform Is Back in Focus for Small Operators
    25 Jul 2026: Paige Estritori
    A renewed industry push to reduce or remove state-based insurance taxes has put affordability back in the spotlight for Australian small businesses. For domestic and home service operators, the issue is practical rather than political: when premiums rise, it becomes harder to maintain the cover needed to work safely in clients’ homes, meet contract requirements and protect tools, vehicles and income. - read more
    Broker Disclosure Debate Puts Small Business Questions Back on the Table
    Broker Disclosure Debate Puts Small Business Questions Back on the Table
    18 Jul 2026: Paige Estritori
    A fresh dispute over the proposed Insurance Brokers Code of Practice has sharpened the focus on transparency for Australian small businesses. Industry figure John Trowbridge has criticised gaps in the draft code, particularly around whether brokers should disclose commissions and other remuneration to all clients, not only those captured by narrower product or client categories. - read more
    Why Policy Details Matter Before a Home Service Claim
    Why Policy Details Matter Before a Home Service Claim
    11 Jul 2026: Paige Estritori
    A recent Australian Financial Complaints Authority decision has delivered a timely reminder for small operators: insurance protection depends on the details being right before something goes wrong. The dispute involved a food delivery business that suffered theft and damage at a site that was not listed on its insurance schedule. - read more
    Click for more Insurance News
    Business Insurance Articles

    Public Liability Insurance for Home and Domestic Services: What You Should Know
    Public Liability Insurance for Home and Domestic Services: What You Should Know
    Public liability insurance plays a crucial role for any business operating within the home and domestic services sector in Australia. This type of insurance is designed to cover you in instances where your business activities have caused property damage or personal injury to a third party. Given the nature of home services, where professionals enter clients' homes and interact directly with them and their property, it becomes even more critical. - read more
    The Importance of Regular Insurance Policy Reviews for Home Services Business Operators
    The Importance of Regular Insurance Policy Reviews for Home Services Business Operators
    The home services industry in Australia is vast and encompasses a wide range of services, from plumbing and electrical work to cleaning and landscaping. As this sector continues to grow, it presents unique challenges and risks for those running home service businesses. - read more
    The Role of Professional Indemnity Insurance in a Home Services Business
    The Role of Professional Indemnity Insurance in a Home Services Business
    Professional indemnity insurance is a key consideration for anyone involved in providing services or advice. This type of insurance is designed to protect professionals from claims made against them for negligence, errors, or omissions in the course of their work. - read more
    Identifying Common Risks in the Home Service Industry and How to Mitigate Them
    Identifying Common Risks in the Home Service Industry and How to Mitigate Them
    The domestic service industry in Australia has been growing steadily, with an increasing number of businesses offering services ranging from plumbing and electrical work to cleaning and landscaping. This diverse sector provides essential support to households across the nation, contributing significantly to the economy. - read more

    Knowledgebase
    Public Liability Insurance:
    Insurance which provides protection against liability to third parties.

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