What is cleaners insurance?
Running a cleaning business means that you, and any employees you’re responsible for, are trusted with your clients’ property. However, the job comes with its fair share of safety risks, such as possible slips and trips, or potential damage caused by working with hazardous substances. This is where cleaners insurance comes in. Our package offers you instant financial protection if an accident prompts a client to take legal action against you.
Why do you need cleaners insurance?
Working on a client’s property is risky in itself, as a simple accident could ruin their home, workplace, possessions, or even cause them serious injury. For example, somebody could end up slipping on a wet floor, or you could spill hazardous chemicals, ruining any items. In these instances, your client could legally demand compensation for any damage that’s been caused, and the huge fees or expenses for which you’d be liable could be disastrous for your business. With Tradesman Saver’s cleaners insurance, you’re covered for any of the fees you’d have to pay if a claim was made against you.
Tradesman Saver’s Public Liability Cover For Cleaners
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit your cleaning business, and public liability is one of the most significant. This protects you if your work ends up injuring a client or member of the public, or if you accidentally damage their property. For example, you may need to pay compensation if you forget to secure a property before leaving, or if someone trips over your cleaning equipment and hurts themselves.
Claims of this nature can be very costly, but public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for cleaners include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. This covers you if you make a mistake which has serious repercussions, like damaging a client’s reputation after accidentally revealing private information you found on their premises. Here at Tradesman Saver, our experienced team is on hand to recommend the appropriate coverage you may need as a cleaner. Get in touch to put together a tailor-made insurance package that’s right for you.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Extra Optional Covers for Cleaning Insurance
Loss of Keys
As a cleaner, clients could temporarily loan you their keys so you can work while they’re not there. And if these accidentally get lost, you could be made responsible for paying for new locks or other expensive security features. This is why we offer cover for the loss of keys as part of our cleaners insurance package. We take care of the cost of replacing keys, locks or passcards, and also handle any financial compensation resulting from your client’s inability to access their property. This cover extends to £50,000, but it is important to note that this particular policy is only available to domestic and office cleaners.
Unauthorised Use of Telephones
We cover the cost of any compensation associated with the unauthorised use of your client’s telephone, by either you or your employee. This extends up to £5,000 during any one period of insurance, but will not pay the first £250 in respect of each claim. This optional coverage can only be taken by domestic and office cleaners.
Cleaners Insurance: Frequently Asked Questions
Do cleaners need insurance?
Cleaners insurance is vital in protecting your business against unexpected accidents. Whether you’re a domestic or commercial cleaner, working directly on a client’s property means the financial repercussions could be huge if you made a damaging mistake. However, by taking out added policies such as public liability and employer’s liability, you’re safe in the knowledge that we’ll cover all of the costs in the worst case scenarios.
How much cleaners’ insurance cover do I need?
The cover you require will depend on factors like the size and value of the premises you clean, and your specific clients. For instance, some local authorities may insist that you have a higher limit of cover before agreeing to let you work for them.
How much does cleaners’ insurance cost?
A number of factors can affect how much your yearly insurance premium costs for a cleaning business:
- The nature of your business
- How long you have been in business
- The size of your clients
- The length of your contracts
- How much cover you require for each kind of insurance
We will ask you to disclose all relevant information when you apply for a Tradesman Saver quote.
What insurance do self-employed cleaners need?
Some cleaners specialise in domestic properties. Others clean retail premises, offices or residential care homes. But what they all have in common is their need for insurance to protect their cleaning businesses against unexpected losses.
Our quotations are tailored to a cleaning business’s specific needs.
Typically this will include liability insurance, which protects you if a compensation claim is made against you because something you have done or failed to do has resulted in an employee or a third party suffering a loss.
It also includes property insurance which protects your business property against losses due to accidental damage or theft.
Employer’s liability is similar to public liability insurance, but it protects you against compensation claims made by employees rather than compensation claims made by members of the public.
Motor insurance is generally bought separately.
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