You are automatically covered for ALL of the following activites for work carried out in the UK, Northern Ireland and Eire.
Whilst we appreciate you may not carry out many of these activities you are automatically covered for them all at no extra cost.
Carpet & Upholstery Cleaning including soft furnishings
Commercial Property Cleaning (interior and exterior) which includes;shops, office, restaurants, pubs and other properties occupied by businesses
Conservatory Cleaning
Contract Cleaning
Domestic Property Cleaning (interior and exterior)
End of Tenancy Cleaning (interior and exterior)
Gutter Cleaning
Hard Floor Cleaning
Holiday Home Cleaning (including Caravans)
Kitchen Cleaning
Oven (domestic and catering only) & White Goods Cleaning
Pressure Washing to 248 bar (3,600 psi)
Window Cleaning including Soffits, Fascia and Frames
Commercial Property Cleaning (interior and exterior) which includes;shops, office, restaurants, pubs and other properties occupied by businesses
Conservatory Cleaning
Contract Cleaning
Domestic Property Cleaning (interior and exterior)
End of Tenancy Cleaning (interior and exterior)
Gutter Cleaning
Hard Floor Cleaning
Holiday Home Cleaning (including Caravans)
Kitchen Cleaning
Oven (domestic and catering only) & White Goods Cleaning
Pressure Washing to 248 bar (3,600 psi)
Window Cleaning including Soffits, Fascia and Frames
You are automatically covered to carry out any of the above activites to a maximum height of 25 metres. If you work at heights in excess of this please ring us as we can arrange a specific policy for you.
You can carry out these activites on any type of commercial and domestic premises other than those detailed in the Statement of Fact which you will see if you proceed to arrange cover online.
If you have any other requirements please contact us on 0845 474 0068 or chat to us online
The cover provided by our Public Liability Insurance
You will be covered for Public Liability Insurance with the additional covers for Damage to Property Worked On,Treatment Risks and more.
See below for a full list of the covers provided.
The cover you will have under this policy, as defined in the insurer's policy wording is as follows;
"If, as a result of your business, any party brings a claim against you for:
- bodily injury or property damage occurring during the period of insurance;
- personal injury or denial of access committed during the period of insurance,
we will indemnify you against the sums you have to pay as compensation.
This also includes a claim against you for property damage occurring during the period of insurance to any item being worked on, cleaned, treated or maintained by you.
We will also pay defence costs but we will not pay costs for any part of a claim not covered by this section."
The above wording confirms that Damage to Property Worked Upon and Treatment Riskscover is provided by our insurer's policy and is specifically written into the policy wording. Unless your current policy has a similar wording, it is unlikely that you have these covers.
In addition you will also be covered for;
- Loss of customer's keys
- Losses from dishonesty
- Failure to Secure a Customer's Premises
- Financial Loss
If you have any questions whatsoever about the cover being provided please ring us on 0845 474 0068 or you can chat to us online for free.
The Insurer
Hiscox Insurance Company Ltd
Excess
All claims for damage to property belonging to a third party are subject to a £250 excess