Looking for Cleaning Company Insurance?
Having your own domestic cleaning company can provide you with the freedom to be your own boss and choose your own hours – but it also means you have all the responsibility too.
When it comes to domestic cleaners, your clients trust you to enhance their home and give them an extra set of helping hands – but what happens if something were to go wrong? A knocked vase, a ruined table or even bleach on a carpet – these things could all happen and it would be your responsibility to repair or replace anything. It could cost you dearly – which is where cleaning company insurance comes in.
Who might need cleaning company cover?
There are a broad range of cleaning companies covering different specialisms, many could find cleaning company insurance helpful, for example:
What kind of thing could cleaning company insurance cover?
Usually, insurers aren’t likely to offer a comprehensive cleaning company insurance policy that gives you the exact cover you’re looking for. Instead, they will often allow you to combine several policies to create your own bespoke policy. You may want to consider things like:
Why does a cleaning company need liability insurance?
Although you’re dealing with client’s houses, you’re also going to be dealing with people that live there too, as well as your own employees. Making sure that you’ve got liability cover in place can protect you financially should unforeseen circumstances arise.
No matter whether your employees are part-time, full-time, work experience, temporary or seasonal, by law you are required to have employers’ liability insurance. This will help you to pay compensation claims should they become ill or injured whilst on the job – which could prove handy if they’re up ladders or dealing with cleaning fluid regularly.
Not only does this cover members of the public and clients if they were to become injured as a result of your business, but it can also protect their possessions as well. So, if you find that you’ve accidentally bleached a wooden table top, or have put a ladder through a window, you’ll be able to cover the cost of repair or replacement.
Protecting your tools and equipment
No matter what type of cleaning business you run, you’ll probably have a set of cleaning products and equipment that you prefer to use and which may have been a large expense for the company.
Things like steam cleaners, washing machines and floor polishers all cost a pretty penny to repair and replace, particularly if you have a fleet of them, which is where cleaning company insurance is particularly useful.
If your floor buffer has fallen down a flight of stairs or your vehicle has been broken into and equipment stolen, it can be a real headache. Not only do you have to worry about letting clients down, but you’ll also need to act quickly and replace items to keep disruption to a minimum. Tool and equipment insurance can help you with repairs or like-for-like replacements in a timely fashion.
With plenty of travelling around, you’re going to want to protect your things when they’re in your vehicle being taken from place to place. Usually car or van insurance won’t offer you this level of cover for things you’re transporting unless they’re personal items.
Cleaning Company Insurance – Useful FAQs
Not at all – it isn’t a legal requirement. However, it is an incredibly common insurance for any business to have and with wet floors and other people’s belongings in your care, you may want to. Some commercial cleaners may also find that clients want to see proof of cover before they sign contracts with you.
After notifying clients that you may not be with them over the next few days, you’ll want to make a claim with your insurer. If you’ve got tool and equipment insurance included in your policy then you’ll likely receive the funds to purchase new equipment.
Unlikely. Insurers don’t usually replace equipment due to wear and tear. Of course, every insurer is different so check back on your policy documents or give them a call to find out.
If you’ve lost a client’s keys, they may want to change the locks to their property and you will be responsible for the cost. Lost key cover can help towards this so you don’t have to pay out of your own pocket.