When you speak with GLEAMING INSURANCE you will soon realise that not all Cleaning Contractors liability policies are the same !
You might not have realised it, but in the vast majority of policies have certain exclusions on them that will affect your ability to make a claim.
The biggest exclusions on standard policies are:
>> Damage to Property Worked Upon
This relates to the items you are actually cleaning. If your policy has this
exclusion in place then you wont be covered for causing any damage to the items
you are actually cleaning. In the case of a window cleaner, then that is the glass,
the frames, the fascias the soffits, the gutters etc. In the case of a carpet cleaner,
then that is the carpet, the rugs, the uplholstery etc.
>> Treatment Risks
This cover is very similar to the above, but relates to damage caused by chemicals
or treatments applied by you – particularly important to carpet cleaners.
As you can see, these two covers are core to the covers that a Cleaning Contractor might expect to have in place as standard but as we have pointed out, there is a very strong chance that your policy has these exclusions in place.
The GLEAMING INSURANCE policy however is a specialist one for cleaning contractors and our policy has all the following provided automatically for you:
- Damage to Property Being Worked Upon
- Treatment Risks
- Loss of Customer’s Keys
- Failure to Secure a Customer’s Premises
- Misuse of Customer’s Telephones
- Fidelity Guarantee
- Financial Loss
- Dishonesty
The cover can be taken by sole traders (without employees) who need to have just Public Liability cover in place, or by businesses with employees who need both Public and Employers Liability covers.
A standard policy will also restrict your activities to those described on your schedule, and will not cover anything that isn’t stated on this document.
However, with a GLEAMING INSRUANCE policy you will get the following:
- Internal and external cleaning of commercial properties
- Internal and external cleaning of domestic properties
- Carpet, Upholstery and Curtain Cleaning
- Window Cleaning to 25m (82ft) including Cradle Work and ladders
- Roof Cleaning to 25m (82ft)
- Gutter, soffit, fascia, signage and frame cleaning
- Conservatory Cleaning
- Oven Cleaning (domestic and catering ovens only)
- Pressure Washing to 248 bar (3600 psi)
It is vitally important that you speak to the experts when it is time to renew your insurance policy.
Contact GLEAMING INSURANCE on 0845 474 0068 and speak with Mark or Martin who both have over 10years experience in dealing with insurance for cleaners.
We will provide the expert advice and a policy that will protect you, your business and your customer from life’s accidents and mistakes.
Contact GLEAMING INSURANCE today for the specialist cover for cleaners.