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Biohazard Cleaning Insurance

Biohazard Cleaning Insurance


Public and Employers Liability Insurance for Biohazard Cleaning

GLEAMING INSURANCE are specialist insurance brokers to the biohazard cleaning industry and can provide your business with the level of specialist protection it needs.  We are recognized and approved by many trades associations as specialists in the industry.

We would always expect you to have the following in place:

  • Training and Accreditation for Bio-Hazard Cleaning

  • PPE that is signed for and used where required

Not all insurance companies provide public liability insurance for biohazard cleaning. Many will exclude this work, but GLEAMING INSURANCE does provide biohazard public liability insurance protection for many clients across the UK.

We can include cover for:

Damage to Property Worked On


This covers you if you are accused of damaging whatever you are cleaning whether that be a sofa, carpet or bathroom etc.   Without this extension to your cover you would be left to deal with the matter yourself. 

Treatment Risks


If you use solutions or chemicals during the cleaning process (including bleach) then you probably know it is common for damage to be caused by such products.  Such damage is covered under the Treatment Risks extension.  Many insurers exclude claims caused where bleach has been used, but not ours.

Loss of Customers' Keys

If you are responsible for holding keys for your customers then you will need to ensure you have cover should you lose them.  Our policy provides key holding cover as standard.

Failure to Secure a Customer's Premises

When you leave a premises you have cleaned you may be responsible for locking up and setting alarms and if you fail to do this you could be liable should anyone break into the premises. Our policy covers you for such occurrences.

Losses from Dishonesty

You will have undoubtedly made checks on all your staff or self-employed cleaners but you could still be exposed to potential claims should one of them decide to steal from your customers.  The insurer will pay for the sums you have to pay as compensation to your client following fraud and dishonesty.  However, they will not make any payments for your clients losses;

  • where you do not have a suitable reference for the employee covering the period of at least 2 years immediately prior to commencement of employment with you; 

  • unless you notify us of such losses during the period of insurance or within 30 days of expiry of the period of insurance;

Employers Liability Insurance for Biohazard Cleaning

When you run a biohazard cleaning business you may need to use self employed cleaners to help you or maybe employ people on a PAYE basis. 


How they get paid doesn't matter, the fact that they work for you means they legally have to be covered by an Employers Liability Insurance policy.  Whether you have one person working for you for a few hours a week or a team of self employed cleaners working 16+ hours a week you still have the same legal obligation.  Anyone working for you has to be covered by law in accordance with the Employers Liability (Compulsory) Insurance Act 1969  

There are a few exemptions for family businesses that only employ close members of their family.   Please read the Act for more details of these exemptions. 

Gleaming Insurance
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