Cleaning Industry Insurance
Annual open-cover Public Liability & Employees' Compensation for HK cleaning contractors — pick Contract-based or Turnover-based to match how you bid and bill.
- Same-day Certificate of Insurance
- Annual Open Cover — no per-job submission
- 30+ insurers compared
- Government tender compliant
Including Ip's, Wai Dick, Wongs Cleaning Services & many more.
Submit your documents in the morning — get your CoI in time to meet contract, venue or licensing requirements today.
Cleaning contracts we insure
From single government tenders to multi-site private portfolios — one annual policy covers them all.
Outsourced government / public-sector cleaning — EC and Third Party Liability per tender requirements.
Shopping malls, offices, schools, residential estates and shop-front glass cleaning.
Per-headcount EC for cleaning companies — staff strength 3 to 1,000+.
Covers cleaning companies for negligence claims causing injury or property damage to third parties.
Higher-risk gondola, rope-access and external wall cleaning placed with specialist insurers.
Bundled PL + EC for pest control, disinfection and deep-clean operators.
Contract-based vs Turnover-based — pick what fits your bidding model
Both options give you one annual Public Liability + Employees' Compensation policy that automatically covers every cleaning job within the period — no per-contract declaration needed before work starts.
Contract-based cover
Premium is calculated per cleaning contract / project location. Best when you have defined contracts at specific sites rather than ad-hoc or roving work.
- Predictable, fixed premium per contract
- Suits companies with long-term contracted sites
- No year-end premium adjustment needed
- Certificate naming principal / property owner available
Turnover-based annual open cover
Premium is based on estimated annual turnover. All cleaning contracts you win during the year are automatically covered, then adjusted against actual turnover at year-end.
- Flexible — covers ad-hoc and short-term jobs automatically
- Ideal for growing businesses with variable workload
- Pay-as-you-grow — adjusted on real turnover
- No need to declare every contract individually
Not sure which basis fits? Send us your last 12 months' contract list or turnover — we'll quote both and recommend the cheaper, fully compliant option.
Public Liability + Employees' Compensation in one annual policy
Public / Third Party Liability
- Third-party bodily injury (e.g. slip on wet floor)
- Third-party property damage (e.g. damage to furniture, equipment)
- Legal costs, settlements & defence
- Limits typically HK$10M–HK$50M per occurrence
- Principal / property owner can be named as insured
Employees' Compensation (EC)
- HK statutory cover under ECO (Cap. 282)
- Per-headcount or turnover basis
- Full-time, part-time and casual cleaners
- Medical, sick leave, permanent incapacity & death benefits
- Common law claims & legal costs
What we need to quote your cleaning insurance
Send these on WhatsApp and we'll come back with both Contract-based and Turnover-based options.
- Company name & BR
- Nature of cleaning work (govt / private / glass / high-rise / pest)
- Number of cleaners (FT / PT / casual) & estimated annual wages
- Estimated annual turnover OR contract list with values
- Work locations & whether work-at-height is involved
- Past claims history (last 3 years)
- Required limit of indemnity (PL) and tender / contract requirements
- Whether principal / property owner must be named
Same-day Certificate — meet your tender deadline today
Government tenders, property management contracts and one-off jobs often need a Certificate of Insurance in hand before work can start. Submit your details before noon and we'll typically have your CoI to you the same day.
- Same-day CoI for standard cleaning trades
- Multiple named-insured certificates available
- WhatsApp / email delivery
Trusted by HK cleaning contractors
What does it mean to buy enough EC cover?
Insurers want to see your declared headcount and wages match your actual MPF contribution records — otherwise claims can be reduced or repudiated. Here's the rule of thumb HK insurers apply when issuing or renewing an EC policy.
Headcount & wages must match MPF records
Insurers usually request the latest 3 months of MPF contribution records before issuing a new or renewal EC policy. The names, headcount and wages on the proposal should match.
Staff aged over 65 — alternative proof accepted
Employees over 65 are exempt from MPF. For these workers you can provide salary slips, tax returns (IR56) or accounting records as proof of wages.
Under-declaring is risky
If actual wages exceed the declared figure at claim time, the insurer may apply average condition — paying only the proportion that was actually insured. Worst case: the claim is rejected for material non-disclosure.
- Declare gross annual wages, not net pay
- Include bonuses, commissions, allowances and overtime
- Update mid-term when you hire or your wage bill grows
EC Warranty — what every employer should know
Insurers attach Warranties to your EC policy to control risk based on your industry. If your employees' actual work falls outside a Warranty, your policy may be voided and a claim refused.
What is a Warranty?
A specific policy clause that restricts what your employees are allowed to do. Breach a Warranty and the insurer may void the policy and refuse to pay a claim.
Always check before you bind
Review which Warranties the insurer attached and make sure none of them conflict with what your team actually does on the job.
Most common EC Warranties
For reference only — exact wording follows the policy schedule.
- W6No delivery of goods by any means
- W7No delivery other than by hand or hand-trolley
- W12Employees restricted to indoor work only
- W17No erection, repair or maintenance work
- W32No work above 30 feet (height)
- W49Excludes loading/unloading on vessels, aircraft or docks
- W51No demolition work
- W55No work outside the building
- W71Employees not employed on vessels, aircraft, docks, piers or warehouses
- W100No handling of items over 550 lbs
- W204Extension to cover sub-contractors' employees
- W338Covers the named principal's legal liability for sub-contractors' employees
- W348Covers all insured listed on schedule for legal liability to sub-contractors' employees (incl. common law)
- CSEConstruction Site Exclusion — no work within a construction site
- Named basisCover applies on a named-employee basis only
Not sure if a Warranty fits your operations? Send us your policy — we'll review it and flag any clause that may conflict with your real work.
Cleaning insurance — answered
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Ready to insure your cleaning business?
Get Contract-based and Turnover-based quotes today — same-day Certificate available.