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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.

Frequently Asked Questions


    Insurance News

    Direct vs Broker: What Youi’s SME Insurance Shift Means
    Direct vs Broker: What Youi’s SME Insurance Shift Means
    20 Jun 2026: Paige Estritori
    Youi’s latest comments to the federal parliamentary inquiry into small business insurance have put a practical question back in front of Australian sole traders and small operators: is cheaper, simpler direct insurance always better, or does advice still matter when business risks become more complex? - read more
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    ACCC Halts IAG's Bid to Acquire RAC Insurance
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    The Australian Competition and Consumer Commission (ACCC) has officially opposed Insurance Australia Group's (IAG) proposed acquisition of RAC Insurance, a move that has significant implications for the insurance landscape in Western Australia. This decision follows a comprehensive six-month investigation into the potential impacts of the merger. - read more
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    Swiss Re Suspends New Life & Health Insurance Business in Australia
    Swiss Re Suspends New Life & Health Insurance Business in Australia
    13 Jun 2026: Paige Estritori
    Swiss Re Life & Health Australia has announced a temporary halt to new business activities in the country, effective October 2025. This decision comes as the company undertakes a comprehensive review of its product portfolio, focusing on enhancing the long-term sustainability of Total Permanent Disability (TPD) insurance. - read more
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    EML Group's Strategic Acquisition of Guild Insurance
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    In a significant move within the Australian insurance landscape, EML Group has acquired a 70% stake in Guild Insurance. This strategic partnership is poised to unlock new growth avenues and accelerate the development of technological and artificial intelligence capabilities within the industry. - read more
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    Business Insurance Articles

    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
    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 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
    Endorsement:
    An amendment or addition to an existing insurance policy that changes the terms or scope of the original policy.

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