Why do cleaners and domestic workers need income protection?
Cleaners are vulnerable to back problems, repetitive strain injuries, and chemical exposure. If illness or injury prevents you from working, income protection pays monthly benefits — covering rent, bills, and daily costs while you recover.
How does income protection work?
IP pays a monthly benefit — typically 50–70% of your gross income — if you're unable to work due to illness or injury. Payments continue until you return to work or reach the policy end date.
How much does IP cost for cleaners and domestic workers?
Cleaning is typically Occupation Class 2 or 3 for income protection, reflecting the physical nature of the role. A healthy 35-year-old can typically get £1,500/month of benefit for £25–£55/month depending on occupation class and deferred period.
Own occupation — always choose this
Always choose "own occupation" cover — it pays if you cannot do your specific job, not just any work.
Frequently Asked Questions
Occupation class is a key pricing factor for IP. Cleaning is typically Occupation Class 2 or 3 for income protection, reflecting the physical nature of the role.
Yes — and it's especially important without employer sick pay. Cover is based on your net profit.