· 8 min read
How long must NSW insurers keep insurance duty records? 5 years
Explains the NSW insurance duty recordkeeping rule: insurers and insurance intermediaries must keep specified records for 5 years.
Read guide →Cleaner insurance that won't leave you in a mess
25 plain-English guides on what insurance cleaners need — working in people's homes and offices means liability risk. Real costs, real advice.
✓ 10 minutes ✓ Multiple insurers ✓ No lock-in
65
In-depth guides
6
Topic categories
6
Languages
2026
Premium data
Explore by topic
Insurance, from every angle
Whether you're getting your first policy or reviewing your coverage stack — we've got a guide for that.
🧹
Cleaning-Specific
Coverage for domestic, commercial, carpet cleaning, window washing and more.
6 guides →🛡
Coverage Types
Public liability, property damage, personal injury — what's actually covered.
8 guides →💰
Costs & Premiums
What cleaners actually pay for insurance in 2026.
4 guides →⚗
Chemical & Damage Risks
Chemical exposure, property damage claims, carpet/surface damage liability.
4 guides →👥
Employees & Teams
Workers comp, team coverage, contractor vs employee insurance.
3 guides →📜
Compliance & Contracts
Client contract requirements, certificates of currency, mandatory cover.
3 guides → Editor's pick
Start here if you're new
Most read
How long must NSW insurers keep insurance duty records? 5 years
Explains the NSW insurance duty recordkeeping rule: insurers and insurance intermediaries must keep specified records for 5 years.
Read this guide → Latest guides
Recently published
Fresh guides with 2026 premium data and state-specific requirements.
record keeping
How long must NSW insurers keep insurance duty records? 5 years
Explains the NSW insurance duty recordkeeping rule: insurers and insurance intermediaries must keep specified records for 5 years.
8 min read →
labour hire
Who pays PAYG, super and fringe benefits tax when a cleaning business uses labour hire?
Explains that a cleaning business using labour hire contracts with the firm, which is responsible for the worker’s PAYG, superannuation and fringe benefits tax obligations.
8 min read →
company director
When is an NT cleaning company director covered by workers compensation?
Explains the two conditions for an NT cleaning company director to be covered and why company ownership alone is insufficient.
8 min read →
return to work
Does a Category 1 NSW cleaning employer need a return-to-work coordinator?
Explains that clause 19 requires Category 1 NSW cleaning employers to have a return-to-work coordinator, while Category 2 employers do not have that particular duty.
8 min read →
superannuation
Will super cancel a cleaner's income protection after 16 months without contributions?
Explains the 16-month no-contribution rule for super income protection and the extra balance checks a cleaner should make before relying on cover.
8 min read →
AFCA
Can AFCA compensate a cleaning business for indirect financial or non-financial loss?
AFCA outcomes can include compensation for direct financial loss, indirect financial loss and non-financial loss, subject to its Rules, monetary limits and claim-type caps.
8 min read →
All guides
· 8 min read
Who pays PAYG, super and fringe benefits tax when a cleaning business uses labour hire?
Explains that a cleaning business using labour hire contracts with the firm, which is responsible for the worker’s PAYG, superannuation and fringe benefits tax obligations.
Read guide → · 8 min read
When is an NT cleaning company director covered by workers compensation?
Explains the two conditions for an NT cleaning company director to be covered and why company ownership alone is insufficient.
Read guide → · 8 min read
Does a Category 1 NSW cleaning employer need a return-to-work coordinator?
Explains that clause 19 requires Category 1 NSW cleaning employers to have a return-to-work coordinator, while Category 2 employers do not have that particular duty.
Read guide → · 8 min read
Will super cancel a cleaner's income protection after 16 months without contributions?
Explains the 16-month no-contribution rule for super income protection and the extra balance checks a cleaner should make before relying on cover.
Read guide → · 8 min read
Can AFCA compensate a cleaning business for indirect financial or non-financial loss?
AFCA outcomes can include compensation for direct financial loss, indirect financial loss and non-financial loss, subject to its Rules, monetary limits and claim-type caps.
Read guide → · 8 min read
How does AFCA handle a small cleaning business insurance complaint?
How AFCA's free process handles an eligible small cleaning business insurance complaint, including direct resolution, conciliation, assessment and a determination binding on the financial firm.
Read guide → · 8 min read
Can a cleaning business with 99 employees make an AFCA complaint?
This guide explains why a cleaning business with 99 employees is below AFCA’s ordinary small-business threshold and why the relevant related group must also stay below 100.
Read guide → · 8 min read
Does a 1 July 2026 Victorian endorsement use 7% or 8% duty?
The supplied example applies 7% duty to a premium increase from an endorsement effective 1 July 2026, while the original contract effected on 1 February 2026 was rated at 8%.
Read guide → · 8 min read
How does a packaged Victorian cleaning policy get the 1% annual duty reduction?
Explains why only the APRA-reportable specified-class portion of a packaged Victorian cleaning policy receives the annual duty reduction, while other premium parts remain at 10%.
Read guide → · 8 min read
Is Victorian public liability insurance duty 7% from 1 July 2026?
Explains when Victoria’s 7% business-insurance duty rate applies to public and product liability contracts and why the premium must be classified correctly.
Read guide → · 8 min read
Does Queensland CTP insurance attract a $0.10 duty?
Explains that Queensland CTP insurance attracts a 10-cent duty on the premium and what to check if an invoice is unclear.
Read guide → · 8 min read
Is Queensland WorkCover insurance subject to 5% duty?
Queensland WorkCover insurance attracts 5% insurance duty on the net premium, a different basis from general insurance, CTP and life insurance.
Read guide → · 8 min read
How does NSW apportion 9% and 5% duty on a mixed insurance policy?
Revenue NSW requires premiums in a mixed policy to be separated by type, with Type A duty at 9% and Type B duty at 5%.
Read guide → · 8 min read
Does NSW disability income insurance attract 5% duty?
Explains that Revenue NSW treats disability income insurance as Type B general insurance and defines the premium used to calculate duty.
Read guide → · 8 min read
Is NT workers compensation premium interest payable after one month?
NT WorkSafe says an employer is liable for workers compensation premium interest if the full premium remains unpaid one month after receiving the insurer’s premium notice.
Read guide → · 8 min read
Can an employee temporarily working in the NT stay covered by home workers compensation?
Workers normally employed in a home jurisdiction and sent to the NT temporarily for no more than six months may fall within an exception, but employers must confirm that the existing policy covers them rather than assume cover.
Read guide → · 8 min read
Must an NT labour hire business cover contractors for workers compensation?
An NT labour hire business must cover every individual it engages for workers compensation, whether employee or contractor, and this duty is separate from PAYG and super.
Read guide → · 8 min read
Does an NT cleaning principal contractor pay claims from subcontractor workers?
NT legislation makes a principal contractor liable for claims by subcontractors’ workers while entitling it to indemnification from those subcontractors.
Read guide → · 8 min read
What details are needed to take out or reinstate NSW workers compensation cover?
Prepare the business, cover, workforce, wage and bank details needed to take out or reinstate NSW workers compensation cover, with an application process that takes about 10–15 minutes once the information is ready.
Read guide → · 8 min read
Can an NSW workers compensation policy be backdated?
An issued NSW workers compensation policy cannot be backdated, so coverage starts at the issue time and date shown on its certificate of currency.
Read guide → · 8 min read
Must NSW cleaning employers keep a workplace injury register?
NSW cleaning employers must keep an injury register, train workers and provide access to an electronic register under SIRA’s current summary.
Read guide → · 8 min read
When must an NSW cleaning employer report a workers comp certificate error? 7 days
An NSW cleaning employer must notify its insurer within 7 days of identifying a certificate of currency error, while a production request has a separate 5-day deadline.
Read guide → · 8 min read
How long must NSW cleaning employers keep workers compensation policies? 7 years
Explains the NSW seven-year policy retention rule and how it differs from the five-day certificate deadline and other record duties.
Read guide → · 8 min read
Must an NSW cleaning employer produce its workers comp certificate of currency within 5 days?
The NSW 5-day certificate production deadline is separate from the 7-day duty to notify an insurer of an error.
Read guide → · 8 min read
What does management liability insurance cover for a cleaning company director?
Explains how management liability insurance can respond to claims against a cleaning company director and protect business assets, while its legal necessity depends on the business.
Read guide → · 8 min read
Can business interruption insurance cover a cleaning business after a fire?
Explains how business interruption insurance can pay ongoing business costs when an insured fire interrupts a cleaning business and how it differs from building and contents cover.
Read guide → · 8 min read
Does domestic cleaning work over 30 hours a week require super?
Explains when domestic cleaning over 30 hours a week can require superannuation despite a contractor label.
Read guide → · 8 min read
Does hourly or per-item pay prove a cleaner is an employee?
Explains why hourly or per-item pay is only one contractual indicium when classifying a cleaner for tax and superannuation purposes.
Read guide → · 8 min read
Does control over a cleaner's hours and location make them an employee?
Control over how, where and when a cleaner works can point toward employee status, but no single contractual feature determines classification.
Read guide → · 8 min read
Is a cleaner an employee or an independent contractor in Australia?
Explains how a cleaner’s status is determined from the whole relationship’s legal rights and obligations rather than the contract label.
Read guide → · 8 min read
Does an NSW cleaning employer pay a quarterly portable long service leave levy?
Explains when a NSW cleaning employer must register and pay a portable long service leave levy as part of its quarterly return.
Read guide → · 8 min read
Is NSW contract cleaning worker registration free and ongoing?
Explains that NSW contract cleaning worker registration has no fee, remains ongoing unless cancelled or suspended, and is separate from employer levy obligations through quarterly returns.
Read guide → · 8 min read
Does high-pressure cleaning of pavers count for NSW cleaners' portable long service leave?
Explains that NSW expressly includes high-pressure cleaning of pavers, walkways and buildings in the contract cleaning long service leave scheme.
Read guide → · 8 min read
Are office staff and company directors excluded from NSW cleaner worker registration?
Explains which workers are excluded from NSW contract cleaning registration, including office staff and company directors, and how full-time, part-time and casual cleaning workers are treated.
Read guide → · 8 min read
Which NSW cleaning businesses must register for portable long service leave?
NSW contract cleaning operators that employ workers on wages or salary must apply for portable long service leave registration.
Read guide → · 8 min read
Does an NSW cleaning employer have 3 months to register a cleaner?
Explains the NSW employer duty to notify a cleaner’s start date within 3 months, when worker registration takes effect and which workers are covered.
Read guide → · 12 min read
What Insurance Does a Cleaning Business Need in Australia?
Understand the essential insurance covers for Australian cleaning businesses, including public liability, workers compensation, and equipment cover, plus extra considerations for bond and commercial cleaning.
Read guide → · 12 min read
Cleaning Business Insurance for Accidental Damage, Theft and Lost Keys
Learn how insurance can help when you accidentally damage a client’s property, have keys lost or stolen, or face employee theft accusations. This overview explains common cover types Australian cleaners should understand and how CleanerInsurance can connect you with authorised assistance.
Read guide → · 12 min read
Public Liability Insurance for Cleaning Businesses — What You Need to Know
A practical guide for commercial cleaners on public liability insurance requirements across different cleaning types, minimum cover levels, and common exclusions, with options to explore further assistance.
Read guide → · 12 min read
BizPack for Cleaners: Is Bundling Worth It?
Analysis of BizPack bundled insurance for cleaners — pricing, coverage, and whether bundling beats separate policies.
Read guide → · 12 min read
Carpet Cleaning & Specialist Services: Extra Insurance Considerations
Additional insurance requirements for carpet cleaners, pressure washers, mould remediators, and other specialist cleaning services.
Read guide → · 12 min read
Carpet and Upholstery Cleaning Insurance: Chemical and Water Damage Risks
A comprehensive guide to carpet and upholstery cleaning insurance: chemical and water damage risks for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Chemical Use Liability: Insurance for Cleaning Products and Hazardous Substances
A comprehensive guide to chemical use liability: insurance for cleaning products and hazardous substances for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Cleaner Insurance for Healthcare Facilities and Aged Care
A comprehensive guide to cleaner insurance for healthcare facilities and aged care for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Cleaner Insurance FAQ: 12 Questions Cleaning Business Owners Ask Most
A comprehensive guide to cleaner insurance faq: 12 questions cleaning business owners ask most for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Cleaner Insurance Requirements by State
State-by-state breakdown of insurance obligations for cleaners in NSW, VIC, QLD, WA, SA, TAS, NT, and ACT.
Read guide → · 12 min read
Cleaner Insurance by State: Licensing and Compliance Differences
A comprehensive guide to cleaner insurance by state: licensing and compliance differences for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Insurance for Cleaning Businesses with Employees and Subcontractors
A comprehensive guide to insurance for cleaning businesses with employees and subcontractors for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Cleaning Franchise Insurance: What the Franchisor Requires vs What You Need
A comprehensive guide to cleaning franchise insurance: what the franchisor requires vs what you need for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Commercial Cleaning Insurance: Office Buildings, Schools and Public Spaces
A comprehensive guide to commercial cleaning insurance: office buildings, schools and public spaces for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Commercial vs Domestic Cleaning: How Insurance Differs
Insurance needs for commercial vs domestic cleaners. PL requirements, contract obligations, and risk profiles for each segment.
Read guide → · 12 min read
Crime and Fidelity Insurance for Cleaners: Theft Allegations Protection
A comprehensive guide to crime and fidelity insurance for cleaners: theft allegations protection for Australian cleaning businesses in 2026.
Read guide → · 12 min read
End-of-Lease Cleaning Insurance: Bond-Back Disputes and Liability
A comprehensive guide to end-of-lease cleaning insurance: bond-back disputes and liability for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Equipment Insurance for Cleaning Businesses
Everything cleaners need to know about protecting their gear — vacuums, carpet machines, pressure washers, and more.
Read guide → · 11 min read
How Much Does Cleaner Insurance Cost in Australia?
Real premium ranges for cleaning businesses in 2026. Public liability, equipment, income protection — what you'll actually pay by service type and turnover.
Read guide → · 12 min read
How to Win Commercial Cleaning Contracts: Insurance Requirements
What insurance commercial cleaning contracts demand. How to meet requirements, present certificates, and use insurance as a competitive advantage.
Read guide → · 12 min read
Income Protection for Cleaners
Why income protection matters for cleaners. Policy types, waiting periods, benefit periods, and what you'll actually pay.
Read guide → · 12 min read
Industrial and Factory Cleaning Insurance: High-Risk Environments
A comprehensive guide to industrial and factory cleaning insurance: high-risk environments for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Pressure Washing Insurance: Property Damage and Slip Risks
A comprehensive guide to pressure washing insurance: property damage and slip risks for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Public Liability Insurance for Cleaners: Complete 2026 Guide
Working in clients' spaces means risk. PL requirements, real costs, and what claims look like for cleaners.
Read guide → · 12 min read
Residential Cleaning Insurance: Working in People's Homes
A comprehensive guide to residential cleaning insurance: working in people's homes for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Body Corporate and Strata Cleaning Contracts: Insurance Requirements
A comprehensive guide to body corporate and strata cleaning contracts: insurance requirements for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Window Cleaning Insurance: Heights, Abseil and Rope Access Cover
A comprehensive guide to window cleaning insurance: heights, abseil and rope access cover for Australian cleaning businesses in 2026.
Read guide → · 12 min read
Workers Comp for Cleaning Businesses
Workers compensation obligations for cleaning businesses with employees. State-by-state requirements, costs, and compliance.
Read guide →Get your quote in 10 minutes
Compare policies from multiple Australian insurers. No cold calls, no lock-in contracts.
Compare quotes free →