The Important Features of a Specialist Cleaning Policy

"Specialist Insurance" is a term you often see on the internet or in emails, but what does that actually mean - how can you tell the genuine specialists from the marketing blurb ?

This little blog post will hopefully explain what we mean when we say we offer Specialist cover for cleaners.

The basics of our policy are Public Liability Insurance along with Employers Liability Insurance when it is need (if you employ members of staff or sub-contractors.

Then we get to the specialist liability cover for cleaners -  If you buy your cover from your local broker or from an internet site that has cover for a multitude of occupations then you have a standard policy. This does not have the important extensions that you as a cleaner need.

GLEAMING INSURANCE include the following covers automatically for you - and you won't get these from any of the standard policies out there.

• "damage to property worked upon" - damage to the item you are cleaning.
• "treatment risks" - damage caused as a result of a chemical or substance applied in the cleaning process
• "loss of keys and consequential loss of keys" - if you are responsible for clients keys then you need this cover
• "fidelity guarantee" - theft of your money by your employees - particularly important for window/office cleaners who may deal in cash
• "failure to secure customers premises" - again, if you are responsible for locking up and fail to do so
• "misuse of customers telephones" - protection against your employees misusing customers phones
• "financial loss" - covers losses that aren't related to damage or injury

As you can see - choosing the correct insurance policy cover is as important as making sure the premium is as competitive as it can be.

The specialist cover does cost extra, you would expect that when you see what it actually includes - don't forget none of the above covers would be included in a standard off the shelf product sold by 99% of brokers out there.

Please make sure you are covered - it not only protects you and your business but it protects your clients interests too !!!

For more information get in touch with us - office@gleaminginsurance.co.uk - we are here to help.