Domestic Services Insurance
Public liability insurance for domestic services, with coverage starting at £53* including:
- Public Liability
- Financial Loss
- Products Liability
- Legal Expenses
- Accidental Death
What is domestic services insurance?
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.
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.
Tradesman Saver’s Public Liability Cover For Domestic Services
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 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.
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.
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.
just what i needed . easy quick and insured with no messing.
Spoke to Jen Davies very professional and friendly a credit to the company would recommend
Easy to use and fast reasonable quote!