As a cleaner you are part of the trades and services industry and are subject to the same risks as other tradespeople if someone is injured or suffers damages as a result of your cleaning work. This can range from accidental damage to property while cleaning to people being injured when slipping on a wet floor you have cleaned and suffering significant injuries.
Public liability insurance may cover you for both property damage and/or personal injury suffered by a third party that has been found to be caused by your cleaning activities. Even when you have taken all the right precautions and believe you are not in the wrong, an adverse decision could lead to you being liable for significant monetary damages and legal fees which could bankrupt your business or, in some cases, even lead to personal bankruptcy. Public liability insurance may protect you against this.