We thought it was time to post again to remind you exactly what our policy provides and why you should get a quote and then take cover out with GLEAMING INSURANCE
Have you checked your policy cover recently?
Are you 100% sure that your policy covers you for damage you may cause to the actual item that you are cleaning, whether that damage is caused by yourself (or your employees) or by a chemical/substance that you were using to clean it ?
You may be surprised to know that most policies DO NOT provide this cover as standard and as most brokers don't specialise in just cleaning (as we do), then they don't appreciate that the exclusion written into the wording means that cleaners are left exposed to potential claims - CHECK YOUR POLICY COVER NOW - don't get caught out.
The GLEAMING INSURANCE policy provides this cover and much more as standard.
With a GLEAMING INSURANCE policy you will have the following covers:
- Employers Liability (if required) with a £10,000,000 limit of indemnity
- Public/Products Liability with options of £1,000,000 / £2,000,000 / £5,000,000
- "damage to property worked upon" up to the full limit of indemnity
- "treatment risks" - up to the full limit of indemnity
- Loss of Keys
- Financial Loss
- Failure to secure customers premises
- Misuse of Customers Telephones
There are very few insurers that offer such comprehensive cover and we can further differentiate ourselves, by providing these further benefits:
- 0% interest FREE instalments over 12 month with no deposit to pay
- Continual Policy cover (no renewal date)
- No Proposal Forms
- No Renewal Forms
- No Declaration Forms
- No "end of year adjustment"
- £250 third party property damage excess
The next area to look at on your policy is your "Business Description" - this determines the actual scope of activities that you are covered for. If yours just says for example "window cleaner" - then that is all you are covered for - no cover for cleaning gutters, or fascia or soffits - leaving you potentially open to further problems.
We use the generic term "General Cleaning Contractor" and this has been pre-agreed with our insurers to include the following:
- Window Cleaning (using traditional or waterfed pole methods) up to 25m (82ft)
- Gutter Cleaning, Fascia, Soffits, Frames, Conservatory and Solar Panel Cleaning
- Carpet & Upholstery Cleaning
- Internal and External Cleaning of any domestic or commercial premises
- Oven and White Goods Cleaning
- Pressure Washing up to 3600psi
As you can see the GLEAMING INSURANCE policy cover is absolutely fantastic and ideal for any professional cleaning contractor. It offers superb cover and protection not only for you as a business, but for your client too - they can have peace of mind that you are coming into their premises with Full Insurance cover behind you.
If you would like a quotation from GLEAMING INSURANCE then please get in touch with us today - we would love to hear from you.