Who needs Cleaners’ Business Liability Insurance?
If you own or run a cleaning business, then it’s likely that you could benefit from a Cleaning Business Insurance policy. Quotes are available for businesses who offer:
- Office and / or business premises cleaning
- Domestic cleaner services
- Specialists in carpet and / or curtain cleaning
It could be that you’re a sole trader, picking up domestic and residential jobs locally on a word-of-mouth basis. Or you could run a limited company, fulfilling contracts with commercial landlords across a range of office sites. While the levels of indemnity (the maximum amount that a policy will pay out in the event of a claim) will vary, you will still have some of the same considerations to make, particularly with regard to your business liability cover needs.
What is included on a Cleaners Insurance policy?
While a Cleaners Insurance policy can be tailored to reflect your business’s particular needs, there are a number of key covers that you are likely to need in place. These may be contractual where you work for property owners running managed offices. They may just mean cost-effective peace of mind!
- Employers’ Liability Insurance for cleaners
- Public liability insurance for cleaners
- Professional indemnity
All of the above are important insurance for cleaners to consider. They deal with potential liabilities that you may have – where a member of the public or employee claim that they have suffered loss or injury as a result of your business activity. The cover will pay out for legal defence costs as well as any compensation that is subsequently agreed or rewarded.