Rated 4.8 / 5 — 1,200+ verified Google reviews
Sydney NSW · Updated June 2026
The insurance your Sydney commercial cleaner must carry in 2026 — public liability, workers comp, motor, contract works — with realistic minimums and a check-before-signing checklist.
A Sydney commercial cleaner in 2026 should carry $20M public liability, workers compensation through icare NSW for every employed cleaner, commercial motor, and contract works cover. Below $10M PL is high-risk for the building owner; Sydney slip-and-fall awards regularly exceed $5M. Always verify a current certificate of currency before signing — the cost difference between a cleaner with full cover and one without is roughly $1.80–$3.20 per cleaning hour.
Sydney commercial property managers and contract managers should require a minimum $20M public liability. Below $10M leaves the building owner exposed if a slip-and-fall claim escalates. Pro Clean Corp carries $20M with Vero/AIG.
Every cleaner working in NSW must be covered by a workers comp policy through icare NSW (or a self-insured employer). Subcontracted cleaners are a common gap — confirm policy number and worker count on the certificate, not just the existence of the policy.
Required if cleaning crews drive between sites in marked vehicles or carry equipment. Most building managers ignore this until a vehicle damages a basement carpark — then it matters. Minimum $5M third-party property.
Covers damage to the cleaner-supplied equipment (ride-on scrubbers $30k+, pressure units $15k+) and damage caused during contract works. Often bundled with PL but worth confirming as a separate item.
Required where the cleaner provides advice or specification (e.g. infection-control program design for a medical centre, AS1851.6 sign-offs for hood cleaning). $1M PI minimum. Standard commercial cleaners often do not carry PI.
Covers loss or damage to client property in the cleaner’s care during the clean (e.g. broken artwork, lost keys, damaged blinds). $50k–$250k limit is typical. Required for offices with high-value AV equipment, art, or controlled stock.
A Sydney commercial cleaner in 2026 must carry: public liability (minimum $20M for commercial premises, $10M for very small sites), workers compensation through icare NSW for every employed cleaner, commercial motor for any vehicles used on the job, and contract works / equipment insurance for owned plant. Professional indemnity ($1M+) is required where the cleaner provides specification advice. Property in physical custody is required for premises with high-value contents.
Sydney commercial premises slip-and-fall claims regularly exceed $5M when the claimant is a high-earning tenant or visitor with future loss of earnings. A $10M policy gets exhausted fast and the building owner picks up the balance. $20M covers the vast majority of realistic claim outcomes and is what every NSW Property Council member should be requiring of cleaning contractors in 2026. Below $10M is high-risk for the building owner, not the cleaner.
A certificate of currency (COC) is a one-page document from the insurer confirming a policy is in force on a specific date with a specific limit and named insured. To verify: (1) match the named insured exactly to the contracting entity (ABN); (2) confirm policy expiry is after the contract period; (3) check the limit equals or exceeds your minimum; (4) email the insurer broker directly to confirm — forged COCs are uncommon but not unheard of. Pro Clean Corp issues a fresh COC at every renewal and on request.
Not automatically. A head contractor’s public liability typically covers the head contractor’s employees only. Subcontracted cleaners must hold their own workers comp and PL, or be specifically named on the head contractor’s policy as covered subcontractors. This is the largest single insurance gap in the Sydney commercial cleaning market — always ask for the sub’s own COC, not a head contractor’s assurance.
A Sydney commercial cleaning operator with 20 cleaners pays approximately $18,000–$32,000 per year for public liability ($20M), $45,000–$80,000 for workers compensation through icare NSW, $4,000–$8,000 for commercial motor across a small fleet, and $3,000–$6,000 for contract works. Total: roughly $70k–$125k per year, equivalent to around $1.80–$3.20 per cleaning hour. Operators charging below $35/hr in Sydney cannot realistically be carrying full cover.
A Sydney commercial cleaning business in 2026 should hold: public liability at $20M minimum with a recognised insurer (Vero, AIG, QBE, Allianz), workers compensation through icare NSW for every employee, commercial motor for every vehicle used in the business, contract works / equipment for owned plant above $5k value, and professional indemnity at $1M if the business provides any specification or compliance sign-off. Brokers familiar with the cleaning industry: Marsh, Aon, Honan, and several specialist cleaning-industry brokers.
Yes. Pro Clean Corp issues a current certificate of currency with every commercial proposal and on request, covering $20M public liability with Vero/AIG, workers compensation through icare NSW for all directly-employed cleaners, commercial motor and contract works. Email hello@procleancorp.com.au or request via /contact-us and a current COC is sent within one business day.
Sydney rate and pricing comparison set: Sydney commercial roof restoration, Sydney commercial cleaning robots, Sydney uniform and linen cleaning, Sydney commercial tile + seal, Sydney upholstery + banquette service, and commercial cleaning Sydney.
$20M public liability with Vero/AIG. Workers comp via icare NSW. Fresh certificate emailed within one business day.