Personal & Household Services
Working in personal and household services means managing a wide range of day-to-day tasks and client needs — from pet grooming and event planning to home care and ironing services. While these roles may seem straightforward, unexpected issues like property damage, service interruptions, or liability claims can impact your business and finances. That’s why having the right insurance is essential. Customised coverage helps protect your equipment, reputation, and livelihood from legal and financial setbacks. We connect you with insurance specialists who understand the unique challenges of personal and household service providers and offer policies designed to fit your profession.
Protect your Business
Insurers offer a range of insurance products designed specifically for professionals and businesses in the personal and household services sector, including:
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house sitter
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domestic service provider
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ironing service
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furniture removal
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household removers
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removal contractor
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caretakers
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dog beautician
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pet groomer
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pet minder
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pet walker
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event planner
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party planner
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wedding planner
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shoe shiner
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key cutter (while you wait)
These policies can be tailored to cover essential risks such as public liability, professional indemnity, equipment loss or damage, employee risks, and business interruptions. Whether you work independently or run a small business, insurers provide flexible coverage to help protect your reputation, assets, and income against the unique challenges faced in your industry.
Types of Cover
Public Liability
Public liability insurance protects personal and household service professionals—such as pet groomers, event planners, and furniture movers—from claims for injury or property damage. Whether it’s a customer tripping over equipment or accidental damage during a house move, this cover helps manage legal costs and compensation.
Employers’ Liability
Professional indemnity insurance is important for service providers whose work involves advice, planning, or specialist expertise—such as event organisers, wedding planners, or home care coordinators. It covers legal costs and claims if a client alleges that your advice, service, or planning caused them financial loss or reputational harm.
Professional Indemnity
Professional indemnity insurance is important for service providers whose work involves advice, planning, or specialist expertise—such as event organisers, wedding planners, or home care coordinators. It covers legal costs and claims if a client alleges that your advice, service, or planning caused them financial loss or reputational harm.
Tools and Equipment
From grooming tools and event décor to removal equipment, personal and household service providers rely on specialised gear. Equipment insurance helps cover the cost of repairs or replacements if your tools are stolen, damaged, or break down.
Personal Accident
For those working in physical, on-site roles—such as furniture movers or pet walkers—personal accident insurance provides financial support if you are injured while working. It can help cover medical expenses and provide income while you recover.
Income Protection
If you’re self-employed—whether as a sole-trader cleaner, dog groomer, or key cutter—income protection insurance helps maintain your earnings if illness or injury prevents you from working, ensuring your bills can still be paid while you recuperate.
Optional Covers
You may also benefit from add-on protection such as stock and goods in transit cover—for example, event décor or pet grooming supplies on the way to a client. Other options include commercial vehicle, premises, and legal expenses cover to protect against theft, damage, accidents, or disputes.
When Purchasing Cover
It's important for business owners to assess their specific needs, the risks associated with their profession, and the insurance policy terms before purchasing insurance. Consulting with an insurance professional can help in understanding the nuances of the coverage and ensuring that it aligns with the business owner’s requirements.
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