When it comes to choosing your insurance policy, you need to consider the scope of the cover provided and what you need as a business. The following will give you a guide as to the cover you should be looking for and also an idea of the depth of that cover.
Public Liability Insurance
Public Liability Insurance for cleaners is vitally important if you do not wish to pay compensation out of your own pocket to customer's for damage you cause to their property or for any bodily injury they suffer as a result of your negligence.
What should it cover?
All public liability policies will provide cover 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,
However, not all policies will include cover for;
- Damage to Property Being Worked Upon
- Treatment Risks (for damage caused by cleaning solutions or chemicals)
- Loss of Customer's Keys
- Failure to Secure a Customer's Premises
- Theft by your employees (against you or your customers)
but ours do.
At GLEAMING INSURANCE we believe in offering the right cover, not the cheapest policy. We are specialists in arranging insurance for cleaning business that include the above covers. Have you ever had this explained to you by your broker?
Read our case study which highlights the importance of being properly insured.
Isn't it time you were insured with the specialists?
Employers Liability Insurance
Employers Liability Insurance for cleaners is legally required for those cleaning business in the UK that have direct employees or use labour only sub contractors.
Why is it legally required?
Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers' Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.
Can you buy Employers Liability Insurance on its own?
No, it is bought as part of a combined liability insurance policy along with public liability insurance.
At GLEAMING INSURANCE we believe in offering the right cover, not the cheapest policy. We are specialists in arranging insurance for cleaning business that include covers such as;
- Damage to Property Being Worked Upon
- Treatment Risks (for damage caused by cleaning solutions or chemicals)
- Loss of Customer's Keys
- Failure to Secure a Customer's Premises
- Theft by your employees (against you or your customers)
- Read our case study which highlights the importance of being properly insured.
Isn't it time you were insured with the specialists?
speak to GLEAMING INSURANCE today and make sure you, your business and your customer receive the very best advice and protection.