Case Study Analysis United Kingdom Age 29 • Birmingham, England, UK

Aisha's Insurance Decision

Self-employed domestic cleaner with 12 regular clients, holding keys to 8 homes. She sometimes pays her cousin £11 an hour to help on larger jobs and has no business insurance.

IB
Insurance Bhaiya Editorial Team
Updated September 2026
“I clean in other people's homes and carry their keys. What happens if I break something or lose a key, and do I need cover for my cousin?”
Insurance Bhaiya Analysis

Aisha is a sole trader with unlimited liability and several clients' homes in her care. Public liability is the first buy, with key cover if offered. Paying her cousin makes her an employer, so employers liability becomes compulsory. Read do self-employed cleaners need insurance, how much it costs and our sole trader insurance guide.

Key Vulnerabilities & Financial Exposures

Exposure 01

Damage to client property, such as a £1,200 rug or an antique

Exposure 02

A lost key forcing lock replacement at several homes

Exposure 03

An uninsured injury claim from her cousin, with fines up to £2,500 per day

Recommended Risk-Transfer Blueprint

Strategy Step 01

Buy £1m to £2m public liability with key cover

Strategy Step 02

Arrange employers liability of at least £5m before the cousin works again

Strategy Step 03

Add equipment cover for her machines

Target Budget Allocation
Indicative: £5 - £25 / month, depending on limit, key cover and whether she hires help

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Search Intent & FAQ

Aisha's Insurance Decision's Case Study FAQs

Key risk takeaways and actionable steps for similar situations.

Is Aisha legally required to hold insurance?
Not while she works alone, but employers liability becomes compulsory once she employs her cousin. See employers liability for sole traders.
Which cover matters most for a cleaner?
Public liability, ideally with key cover. See do I need public liability insurance as a sole trader.