Our comprehensive school cleaning insurance package is designed to address the specific needs of professionals in this sector. Here’s an overview of the key coverages we offer:
Public Liability Insurance
Public liability insurance is a fundamental component of any cleaning business’s insurance portfolio. For school cleaners, it provides protection against claims made by third parties for injury or property damage resulting from your cleaning activities. Our policies offer coverage starting from £1 million, with options to increase up to £5 million to meet the requirements of larger contracts or high-risk environments.
Employers’ Liability Insurance
If you employ staff, even on a casual or part-time basis, employers’ liability insurance is a legal requirement in the UK. This coverage protects your business if an employee becomes ill or injured due to their work. Given the physical nature of cleaning work and the potential exposure to chemicals, this insurance is particularly important for school cleaning businesses. Cleaner Saver provides £10 million employers’ liability cover as standard, ensuring you’re fully compliant with UK regulations.
Tools and Equipment Insurance
Your cleaning equipment is essential to your business operations. Our tools insurance covers the cost of repairing or replacing your equipment if it’s lost, stolen, or damaged. This includes:
- Vacuum cleaners and floor polishers
- Pressure washers and steam cleaners
- Ladders and scaffolding for high-level cleaning
- Personal protective equipment (PPE)
Personal Accident Insurance
As a self-employed cleaner or small business owner, your income depends on your ability to work. Personal accident insurance provides financial support if you’re unable to work due to an accident. This cover can help with loss of income and medical expenses, ensuring your business can continue to operate even if you’re temporarily out of action.
Product Liability Insurance
Product liability insurance is crucial for school cleaners who use or supply cleaning products. This coverage protects you if a product you’ve used or supplied causes injury or damage. For example, if a student has an allergic reaction to a cleaning product residue or if a chemical damages school property, this insurance would cover the associated costs.
Legal Expenses Insurance
Legal expenses insurance is available as a separate policy to help cover the costs of legal disputes that may arise in the course of your business. This can include employment disputes, contract issues, or tax investigations.
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