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Domestic Services Insurance

Public liability insurance for domestic services for less than £59* per year

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“Quick, easy and a fraction of the cost quoted by my previous insurers.” Gary Wilson Read more reviews »

When you work in domestic services, no two days on the job are the same. Whether you work as a housecleaner, cook or gardener, every day brings with it a fresh set of challenges and risks to face. With that in mind, it’s imperative to ensure you have the correct insurance in place to protect you in case the worst should happen.

Why do you need domestic services insurance?

Here at Tradesman Saver, we recognise that every trade is different and what you need from your insurance is unique. We’ve done away with generic business insurance policies in favour of trade-specific insurance, which we’ve designed through working with businesses like yours. Ensure you get the right cover for you by customising with our online quote form, and make your insurance work for you.

What’s included with our Automatic Cover

There are many insurance options which would benefit your domestic services business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.

Claims such as this can cost a small fortune but having 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 a domestic services business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have all the coverage you may need as a domestic services worker and you can get your quote online in minutes.

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Why Us?

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Accidents Can Happen To Anyone

When you work in a trade like yours, you already know that accidents can happen at any time and to anyone. But what you may not know is how your insurance can be used to help protect your business against some of the smaller accidents you wouldn’t expect to use your insurance for. Here are a few examples of some of the situations where you could use your insurance to keep you safe in the face of an accident:

 

It’s all coming tumbling down

You and your employee are on a job cleaning a client’s property. But while your employee is up on a ladder dusting a high shelf, the ladder collapses and your employee is badly injured. They then choose to claim compensation against you for their injury. Fear not though; your employer’s liability insurance is here to save the day. It’ll cover the costs of the claim, so you can keep doing what you do best.

In pieces

You’re on a job in a client’s house, cleaning their home. Unfortunately, while you’re dusting a mantelpiece, you accidentally knock over an expensive vase. It breaks and the client decides to claim against you for the damage to their property. This is where your public liability insurance steps in – it’ll cover the costs of the claim for you so you can focus on keeping your business running smoothly.

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*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax and our admin charge. 22% of new customers paid less than £58 between 1st January 2019 and 31st August 2019. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2019 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register https://register.fca.org.uk/.
Registered in England No 1842617. Registered Office – Seymour House, 223 Wickham Road, Croydon, Surrey CR0 8TG. All rights reserved.
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