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.
Explore our articles, calculators and insurance news ... or connect with an insurance broker from our Australia-wide referral partner network who can discuss your business needs.
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.
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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Fresh insurance industry attention on theft from vehicles, job sites and storage areas is a timely reminder for Australian home service operators: tools are not just equipment, they are the business. When a cleaner, gardener, handyman, mobile technician or domestic maintenance provider loses essential gear, the financial hit can extend well beyond the replacement cost. - read more
The latest small business insurance market commentary has again highlighted a familiar tension for Australian operators: premiums and business costs are under pressure, but the risks facing small enterprises are not standing still. For home service providers, that makes insurance review work more than an annual administration task. - read more
Fresh insurance industry attention on disaster resilience is a timely reminder that severe weather is not only a household issue. For Australian home service operators, storms, floods, bushfires and extended power outages can interrupt work quickly, even when the business itself is small, mobile or run from home. - read more
A fresh industry risk update has again placed cyber incidents among the major threats facing businesses, reinforcing that digital exposure is no longer only a concern for large companies or technology firms. For Australian home service operators, the message is practical: the same systems that make a small business more efficient can also create new insurance and continuity risks. - read more
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
Hiring employees, casual workers or subcontractors can change the insurance responsibilities of a home services business. This guide explains key workers compensation and subcontractor insurance considerations for Australian operators. - read more
Insurance premiums for home services businesses can vary widely depending on the type of work performed, business size, claims history, cover limits, equipment values, staff, subcontractors and other risk factors. - read more
Home services businesses often rely on portable tools, equipment, devices and supplies to operate at clients' properties. This guide explains how tools and equipment insurance may help protect those business assets, what to check in a policy and how to reduce common claim issues. - read more
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
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
Knowledgebase
Reinsurance: Insurance that an insurance company purchases from another insurance company to mitigate risk.
