My question is, when we are told to stay home, should I cancel her services?
My cleaner and I had a conversation yesterday - that we are both responsible adults, we take a risk based approach (following the Govt CMO guidelines on hand washing, use of tissues, cleanliness in the home and minimise public gatherings* etc) and if either of us needed at any point to self-isolate then we would communicate by phone and not put each other at risk. My cleaner works for several elderly clients, so she's being extra careful.
I said if she has to self-isolate I will pay her. I don't want her worrying about how she's going to manage without income. Several other clients have also supported her.
OP, these are my circumstances, my cleaner deserves to be supported because she's a hard working person who I value, is reliable week in, week out, and highly trusted in this community. You have to make your own decision based on your personal situation and whether your cleaner is someone you want to support.
The self-employed are going to be massively impacted in our economy. I can wfh, I get sick pay. I want to pass on something to others who don't have such financial protection.