Specialist Biohazard Cleaning Insurance for UK Decontamination & Trauma Cleaning Firms

Get a Quick QuoteClick Here

Protect your team, clients and reputation with tailored cover designed specifically for crime scene, trauma, infectious disease and hazardous contamination cleaning.

Who this is for?

This page is for specialist cleaning firms who work with high-risk environments, such as:

Crime scene and trauma clean-up

Infectious disease and decontamination work

Needle sweeps and sharps removal

Chemical and biohazard spill response

Void property, hoarder and extreme cleaning

Meth labs, synthetic drugs and other hazardous residues

If your team is dealing with blood, bodily fluids, dangerous chemicals, unknown substances or contaminated properties, you cannot rely on standard cleaning insurance.

You need a broker who understands the risks – and knows which insurers will actually cover them.

Why biohazard cleaning needs specialist insurance

Biohazard cleaning businesses face a mix of physical, legal and financial risks that most insurers don’t fully understand:

Exposure to dangerous pathogens or chemicals

Complex UK health & safety and environmental regulations

Potential for serious injury to staff and subcontractors

High-value claims if a site isn’t properly decontaminated

Increasing scrutiny from regulators and clients

Business interruption if you’re shut down after an incident

At Miller & Partner, we keep up with 2025 regulatory changes, emerging risks and insurer appetites so your cover isn’t full of nasty surprises when you need it most.

Key covers we can arrange for biohazard cleaning firms

We work with leading UK insurers and specialist markets to build policies around how you actually work.

1. Public Liability Insurance

Protection if a client, member of the public or third party alleges:

Illness or injury caused by your work

Damage to their property during cleaning

Contamination spreading beyond the original site

Typical limits from £1m to £10m, with options for higher limits where required by contracts or public sector work.

2. Employers’ Liability Insurance

A legal requirement if you employ staff. Covers compensation claims from employees for:

Illness or injury due to biohazard exposure

Accidents while handling chemicals, sharps or contaminated waste

We can help make sure your risk assessments, training and PPE protocols align with insurer expectations.

3. Specialist Biohazard Cleaning Cover

Standard cleaning policies often exclude the very work you do. We help arrange specialist biohazard cover that can include:

Decontamination and clean-up after contamination events

Emergency response costs

Specialist PPE, equipment and hazardous waste disposal

Cover for higher-risk work like crime scenes, trauma and drug-related cleaning

We’ll go through the wording and exclusions in plain English, so you know exactly what is and isn’t covered.

4. Professional Indemnity Insurance

If you provide certification, site sign-off, risk assessments or specialist advice, you may need professional indemnity cover for:

Incorrect certification of a “safe” property

Error in a decontamination plan

Advice that leads to further contamination or loss

Limits can be tailored from £250,000 upward, depending on your contracts and exposure.

Support when things go wrong

If a serious incident happens, you don’t want to be on your own dealing with insurers.

We help you with:

Immediate claims notification

Evidence and documentation for the insurer

Liaison with loss adjusters

Pushing for a fair and prompt outcome

Straightforward, human service.

We’re building Miller & Partner as an AI-powered broker with a human core – using technology to make the process smoother and faster, while still giving you a named person to call when you need help.

Frequently Asked Questions (FAQs)

1. Do standard cleaning insurance policies cover biohazard work?

Usually not. Many standard policies either exclude or heavily restrict work involving bodily fluids, infectious diseases, crime scenes or hazardous chemicals. That’s why specialist biohazard cleaning insurance is so important.

2. What information will you need to get me a quote?

Typically: details of your services, turnover, number of staff, training and qualifications, areas you cover, main clients and any previous claims. If you already have insurance, a copy of your current schedule also helps.

3. Can you help if I’ve had a previous claim or decline?

Yes. We’ll go through what happened, how your processes have changed and present your business to underwriters in the best possible light.

4. I use subcontractors – are they covered?

This depends on policy wording and how you engage them. We’ll review your setup and make sure you understand what’s covered and what needs tightening in your contracts. But if you require them to be covered we can make it so.

★ ★ ★ ★ ★

Interacted with Miller and Partner on LinkedIn regarding my public liability insurance. After a brief chat about my requirements 2 deals were done at I would say better than reasonable rates. Highly recommend this company for all your insurance needs.

John Taylor

Company Director

5. Equipment, Vehicles & Property Insurance

Your business depends on:

Specialist fogging machines and decontamination equipment

Vehicles used to transport waste, chemicals and teams

Stock, chemicals and PPE stored at your base

We can help protect against theft, accidental damage and contamination – both at your premises and out on jobs.

6. Business Interruption & Crisis Response

If you’re forced to pause operations after an incident, investigation or major claim, business interruption insurance can help with:

Loss of income during enforced shutdowns

Ongoing overheads such as rent, staff and loan repayments

Extra costs to keep trading, such as temporary premises

Some policies can also include crisis management and PR support to protect your reputation after a high-profile event.

Why work with Miller & Partner for biohazard cleaning Insurance?

Specialist knowledge of high-risk cleaning.

We understand the difference between general cleaning and true biohazard work – and we talk to insurers in their language so you don’t have to.

Access to niche insurers & Lloyd’s markets

As a commercial insurance broker with access to specialist underwriters, we can often secure cover where standard markets say no or apply heavy exclusions.

Tailored policies, not off-the-shelf packages.