We have put together a list of questions and answers that you may find to be useful.
What cover is available to Contract Cleaners?
We offer the following covers to all contract cleaners:-
- Public Liability Insurance
- Employers Liability Insurance (where required)
- Machinery & Equipment Insurance.
- Hired plant/machinery Insurance.
The quotes for Public Liability Insurance automatically provide the following covers;
- Treatment Risks
- Damage to property being worked upon
- Loss of customer's keys
- Failure to secure premises
- Misuse of customer's telephones
- Employee Dishonesty (where required)
- Financial Loss.
What activities do you cover?
We provide cover for all types of floor cleaning, upholstery, soft furnishings and curtain cleaning. So if you clean hard floors rather than carpets, we can still provide you with cover.Can I add other activities?
Yes, we can add other activities such as oven cleaning, domestic cleaning and window cleaning to name just a few. Once you have asked for a quote for contract cleaning insurance you will see a full list of activities covered.Which insurers do GLEAMING INSURANCE deal with?
We deal with all the major insurers in the UK for all classes of business but we predominantly deal with Hiscox Insurance Ltd for public liability insurance, combined liability insurance, tools & equipment insurance and hired in plant insurance for contract cleaners.Is Public Liability Insurance required by law?
No, not for contract cleaners. There is no legal requiement to arrange public liability insurance but is recommended that you do so to protect your livelihood. Please read our public liability insurance for contract cleaners section for more information.What is Treatment Risks Insurance?
Treatment Risks is an extension provided under a public liability policy for contract cleaners. It provides cover should you damage carpets, upholstery, curtains, work surfaces and floors etc if you use a treatment that causes further problems or damage.Do GLEAMING INSURANCE offer Treatment Risks cover?
Yes, our policies automatically include this cover as standard.What is Damage to Property Being Worked Upon?
This is usually excluded under most contract cleaners policies. It means that whatever you are cleaning isn't insured at the time you are cleaning it. Whether it's a carpet,office desk, set of blinds, a glass surface or a hard floor, if you damage it, it isn't covered. That is a standard exclusion under 90% of policies for ccontract cleaning contractors and contract cleaners.Can I get cover for Damage to Property Being Worked Upon?
Yes you can from GLEAMING INSURANCE. We offer quotes that include this cover automatically.Can sub contractors get insurance from GLEAMING?
Absolutely, the quotes we are offer are available to any contract cleaners, whether you are a sole trader, a sub-contractor or run a large contract cleaning business. What covers are available to contract cleaners?
We can offer quotes for public liability insurance, combined liability insurance, tools & equipment insurance, hired in plant insurance, business premise insurance and motor fleet insurance.Can I have an electronic copy of my documents?
Your policy documents will be sent to you by email in the first instance for you to print or forward to those customers who want to see it. If you prefer a paper copy please contact us on 0845 474 0068.Will I need to contact you if my staff numbers change?
If you have cover for yourself only under a public liability policy then you will need to contact us if you take on staff as you will need to add employers liability insurance to your policy. If you already have this cover under a combined liability policy then you don't need to contact us. The policies we arrange are based on your turnover and wages and not the number of people doing the work. As long as you have given a good estimate of your turnover and wages at the start or renewal of your policy you will not need to do anything.Will I have to pay an additional premium at the end of the year?
No. Whilst some insurers issue a declaration at the end of the year, our insurer, Hiscox don't. Policies arranged on a declaration basis require you to declare your wages and turnover for the period of insurance you have already had and then pay an additional premium if your figures have exceeded the figures you estimated. We don't require declarations and will not ask you for any more money for the period of insurance you have already had.Can I pay by direct debit?
Yes, you can pay by interest free instalments directly from your bank. You don't pay any interest at all, just the premium divided by 12 monthly payments?What other payment methods are available?
If you prefer you can pay by cheque, though this will delay the policy documents being issued.Who are GLEAMING INSURANCE?
GLEAMING INSURANCE is a trading name of Inspire Risk Solutions Ltd, an insurance broker based in Standish, Lancashire. Inspire Risk Solutions Ltd was established in 2010 by Mark Farrimond and Martin Holden who have many years experience in placing insurance for contract cleaners.Useful Links
We hope you might find the following links to be useful;Help & Advice
Contract Cleaners Public Liability InsuranceContract Cleaners Employers Liability Insurance
Frequently Asked Questions
Employers Liability (Compulsory Insurance) Act 1969
Quotes
Contract Cleaners Public Liability Insurance QuotesContract Cleaners Combined Liability Insurance Quotes