When you are looking to get quotes for pub cleaners liability insurance you need to make sure that the policy provides cover for all of the work that you do. Many insurers exclude cover for damaging the property you are cleaning and they exclude any damage caused by applying treatments to carpets, furniture, hard surfaces etc to remove stains.
Employers Liability Insurance is bought as part of a combined policy with public liability insurance. Some insurers will charge you a premium per person which can be very expensive, our insurance provider don't work that way. Our quotes are based on an estimated turnover and wages figure which is cheaper and gives you more flexibility especially if your staff numbers change from month to month or you use part time staff. Get a quote for pub cleaners combined liability insurance.
Public Liability Insurance
This type of policy provides you with cover in the event that you cause injury to a member of the public or damage property belonging to a third party for which you are legally liable. So, for example if customer was to fall over your cleaning equipment they could legally sue you for their injuries. If they contacted a solicitor you would soon receive a notification of a compensation claim. By having public liability insurance you can relax and pass all correspondence to your insurer who will take care of everything, including the final compensation bill and solicitors costs. If you don't have any public liability insurance you will find yourself quickly buried in a raft of legal documents and be left with a large bill to pay when the case goes to court. To buy public liability insurance is relatively inexpensive compared to the financial costs of paying a claim yourself. Get a quote online for pub cleaners public liability insurance.Employers Liability Insurance
If you employ staff or use labour only sub-contractors then you are legally required to have Employers Liability Insurance in place as outlined in the Employers Liability (Compulsory Insurance) Act of 1969. This is a legal requirement and if you trade without cover you can be fined heavily by the Health & Safety Executive. To read more about the Act please click here.Employers Liability Insurance is bought as part of a combined policy with public liability insurance. Some insurers will charge you a premium per person which can be very expensive, our insurance provider don't work that way. Our quotes are based on an estimated turnover and wages figure which is cheaper and gives you more flexibility especially if your staff numbers change from month to month or you use part time staff. Get a quote for pub cleaners combined liability insurance.