What is cleaning insurance?
Whether you’re a domestic cleaner in someone’s home, working around their prized possessions, or part of a team in an office building surrounded by expensive equipment, the chances of a costly mistake are ever-present.
However, just because accidents happen, that doesn’t mean you should be left to foot the bill on your own. Cleaning insurance is a term used to describe a range of insurance policies that can help cover the compensation costs and legal fees that may come from someone making a claim against your cleaning business.
That’s not the only benefit of cleaning insurance. It will provide extra reassurances to your clients, create a better working environment for your employees, and help protect you against theft, loss and accidental damage to your own property.
Public liability insurance will be at the core of your cleaning insurance policy. This is designed for times when your work has caused illness or injury to a client, or damage to their property.
For comprehensive public liability insurance for cleaners, you may need to make sure you have certain extensions in place. This could include:
- damage to property worked on
- treatment risks for the products you use
- loss of customers’ keys
- failure to secure a customers’ premises
- losses from the dishonesty of your staff
» COMPARE: Public liability insurance
Portable tools and equipment insurance meanwhile, will protect the items you need to do your job from accidental damage, loss or theft.
As for personal accident cover, if you were injured and unable to work for the medium to long term, you would be able to claim a lump sum to cover your lost income.
Self-employed cleaner insurance
If you are a self-employed cleaner working on your own, you may need to consider getting business car insurance to make sure you are properly covered on the road.
If you drive to multiple different places of work, such as your clients’ homes, then it is likely you will need class 1 business car insurance. However, you should look into the level you need to make should you have the right level of cover.
Cleaning business insurance
As a small business owner with even one non-family employee, you are legally required to take out employers’ liability insurance. This is for if a member of your staff is injured or made ill on the job.
If you have business premises you are based out of, especially if you store stock and equipment there, you may also want to look into business buildings and contents insurance. This is to cover the building and its contents from accidental damage, vandalism and theft. If you find you only need commercial property insurance, or business contents insurance, meanwhile, you can buy these policies separately.
If you are transporting cleaning equipment to various locations on the road, you might also need to take out van insurance.