All the essential protection you need...
In the event you have an accident that causes a long term or permanent disability or death, that prevents you continuing your business.
Protection in case of a hack, misuse or breach of data, virus transmission, IP infringement and defamation.
Ideal for mobile workers, or when you have mobile equipment in transit or temporary storage.
Usually a legal requirement if you have employees, apprentices, or work experience students.
For your salon, office or home, this covers computers, furniture, equipment, goods and more..
See and search through the full list of services you can get covered for, it’s growing every day!
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Something gone wrong? Don't panic. Know what to do and not do if you get a claim, and how to submit your claim details.
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Knowledge, experience and qualifications are all vital, but understand why we don't ask you to send proof when insuring you.
Working in this field can be incredibly rewarding, as you bring joy and confidence to clients. However, the expanding array of treatments and services also means that the associated risks are higher than ever.
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Established since 2003
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From sparkling homes to clutter-free spaces, cleaning and organising professionals help people create calm, functional environments. Whether you're a domestic cleaner, commercial contractor, professional organiser, or decluttering expert, your work often takes you into clients' homes and workplaces — where accidents and misunderstandings can happen. At Westminster, we understand the practical, hands-on nature of your job and the trust your clients place in you. That’s why we offer flexible insurance tailored to your services, with cover that protects against damage, injuries, or claims over service disputes. As your business grows, you can easily update your policy — so you stay covered, no matter how your work evolves.
See the list of practices we feel would be of most interest to you. If you can't find what you're looking for or offer a more diverse range of services check out our full list.
IMPORTANT TIP: You may find that the business practice name differs a little from what you may call it, but provided that the description matches what you do, this will provide the cover you require.
Advising on the discipline and process required to de-clutter your space and your life. De-cluttering is a thinking process that assists you to make decisions about what to keep and what not to. It is not prescriptive concerning what should be thrown out, but rather the process of how to make your own decisions and develop your own disciplines about what to keep and what to dispose of to best help you meet your goals aims and ambitions.
Conditions:
Cover is provided to an apdo-uk member whilst engaged in the process of Professionally Organising a home, office or other aspect of life for a client. Professional Organising can include decluttering.
Dry-cleaning is a professional cleaning method that uses chemical solvents instead of water to clean delicate or non-washable fabrics. It's ideal for items like suits, dresses, and garments with special care labels. The process includes stain treatment, solvent cleaning, drying, and pressing, ensuring clothes are returned clean and well-presented.
The Chinese art of positioning objects in buildings and other places based on the belief in positive and negative effects of the patterns of yin and yang and the flow of chi, the vital force or energy inherent in all things.
Weeding, pruning, digging and garden tidying, growing and cultivating plants,excluding landscaping,design and construction.
A Professional Hoarding Practitioner provides person-centred practical help, advice, advocacy and support to people affected by hoarding or chronic disorganisation, particularly where there are safety and/or wellbeing issues that need to be addressed.
To prepare a home ready for re-sale or renting. This may include, but is not limited to, cleaning, advising on re-design and colour schemes as well as repositioning of certain household objects such as flower vases etc.
To advise on the colour schemes, decor, styles of rooms and general motif. Providing advice and designs for commercial and domestic interior and exterior lighting schemes.
Visiting clients on site, surveying and levelling work (measuring garden size and shape, slopes and level changes, soil type etc.) producing sketches and designs, planting plans, etc. Also can include project management of landscaping works.
Laundry is the process of cleaning clothes and textiles using water, detergent, and drying equipment. Services often include washing, drying, folding, and sometimes ironing. It is suitable for everyday garments, clothing, linens and other textiles.
Helping individuals or families with organising any aspect of their lives so that they have more time, freedom & energy for themselves.
Personal Photo Organisers provide their clients with solutions to organising, sharing and securing their digital and film photo collections. Services include: transferring digital photos from devices to a computer, scanning prints and slides, organising digital photos into a logical folder structure (eg. by date/event), arranging printed photos into organised storage boxes, editing of digital photos, creating traditional photo albums and digital photo books, creating other personalised photo products, creating video slideshows, converting outdated media into viewable formats, installing back up systems and technology instruction/education. Solutions are provided for clients to either have the work undertaken for them, to have the PPO working alongside them, to show clients how to do it themselves or a combination. Consultations, photo gathering and backing up may be undertaken in person, by post or remotely. Personal Photo Organisers ensure, prior to the commencement of any work, that they have obtained a signed statement from clients to confirm that they are the Copyright or License Holders of any images and photographs provided to the PPO. The role of a Personal Photo Organiser is recognised and supported by the Association of Personal Photo Organizers (APPO) and the Association of Professional Declutterers & Organisers UK (APDO-UK), who both have Codes of Ethics for their members to adhere to.
A Professional Organiser (PO), engages in the following activities (assuming the activity is reasonable within the context of a PO role): time management - paper management & filing systems - clutter control - space planning - wardrobe organising - event planning - errands - personal shopping - book-keeping - home office matters - financial management - memorabilia/photographs -packing/moving - information management - training - computers -kitchens - cleaning - downsizing - relocating - students - organising of any sort - children's rooms - public speaking / seminars / training - Feng Shui - coaching within the organising context - space clearing - home staging - interior design - project management - concierge services eg finding, booking trades people, completing general basic DIY repairs within the context of Professional Organising only The practitioner will focus on: - acting as a practical enabler and/or coach - improving the safety and wellbeing of clients, whether in the home or the workplace - maximising functionality, efficiency and comfort using effective processes, storage and organising solutions - where necessary, expediting the removal of unwanted items - ensuring appropriate and responsible sale, donation or disposal of such items - helping clients to adopt positive and workable habits and processes for the future.
A Professional Organiser (PO), as an APDO member may engage in the following activities (assuming the activity is reasonable within the context of a PO role) Time management Paper management & filing systems Clutter control Space planning Wardrobe organising Event planning Errands Personal shopping Book-keeping Home Office matters Financial management Memorabilia/photographs Packing/moving Information management Training Computers Kitchens Cleaning Downsizing Relocating Students Organising of any sort Children's rooms Public speaking / seminars / training Feng Shui Coaching within the organising context Space Clearing Home staging Interior design Project management Concierge services eg finding, booking trades people, completing general basic DIY repairs within the context of Professional Organising only The practitioner will focus on acting as a practical enabler and/or coach improving the safety and wellbeing of clients, whether in the home or the workplace maximising functionality, efficiency and comfort using effective processes, storage and organising solutions where necessary, expediting the removal of unwanted items ensuring appropriate and responsible sale, donation or disposal of such items helping clients to adopt positive and workable habits and processes for the future
Tour operator services in this context is restricted to planning events such as retreats/ workshops etc where more than two elements of the event are included in the package. May combine travel arrangements, accommodation, meals and activities typically offered as pre-packaged itineraries at a single inclusive price.
Designing and arranging hen weekends, management of the wedding on the day and general Bridal Coaching.
Combined Business Insurance provides crucial protection. This core bundle is at the centre of every policy, offering comprehensive protection by combining Professional Indemnity, Medical Malpractice, and Public Liability insurance in one policy. So you can grow your business with confidence, while you are protected for the following:
The beauty of our insurance is that you can choose exactly what you need and have as little or as much cover as your individual requirements dictate.
Designed to tackle the problems associated with your computer systems, websites and emails.
Protection for your office essentials, from computers and furniture to documents and signage.
Employee Liability insurance is a legal requirement if you have employees.
Cover should you suffer a serious accident which leaves you unable to work or leads to your death.
Includes mobiles, laptops, cameras and video equipment, tablets, exhibition equipment, tools and more.
Whether you’re scrubbing, sorting, or decluttering, cleaning and organising services come with more risk than people realise. You’re working in clients’ homes or workplaces — moving belongings, using equipment, and sometimes handling sensitive or sentimental items. Accidents happen: something gets broken, a client slips on a wet floor, or you're blamed for throwing away something important. Without insurance, a single claim could leave you personally responsible for compensation and legal costs — putting serious strain on your income, reputation, and ability to keep working. Business insurance gives you a safety net, so you can do your job confidently, knowing you’re protected if things don’t go to plan.
Having the correct level of experience or qualifications necessary to offer a service is...
You accidentally damage a client’s furniture or flooring while cleaning or moving items.
A client trips over your equipment, or slips on a freshly cleaned floor and gets injured.
You misplace or throw away something valuable, and the client demands compensation.
You’re blamed for poor results or for not meeting the agreed standard of service.
A client claims you caused a health issue due to improper sanitization or product use.
By Accreditation bodies, Training Schools and our Clients
Helping thousands of customers along the way
Manage and Update your policy easily as you grow
Big enough to lead. Small enough to care
Giving comfort and removing the hassle and stress.
No salesmen, no gimmicks! We just make insurance easy.
Get your quote and insurance document - within minutes.
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
There are 631 definitions here. Please use the search functions below to find what you are looking for. If you require help please call.
Welcome to a different kind of insurance experience for small to medium-sized businesses - from salon owners and business consultants to tattoo artists and yoga instructors.
