Employee Dishonesty
They are probably your most valuable asset, the people that do the work but are you covered for their dishonesty?
Losing Customers Keys!
We have lots of domestic and commercial cleaners who are insured with us and who are responsible for their customers keys. It's a big responsibility and can have dramatic consequences if those keys are lost or misplaced. We have seen some dramatic claims situations over the years where keys (or electronic pass cards) have been lost and a whole building's security had to be overhauled costing tens of thousands of pounds. Even the smallest of incidents can cost upwards of £500
The Claims Process
You have arranged liability insurance to protect you in the event of a claim, so what happens when something goes wrong and you need to call
Damage to Property Worked On
The single most important factor when selecting your liability insurance cover for cleaners, is to make sure that you can clearly see in writing that you have cover in place for "damage to property worked on" This term means cover for any damage you may cause to the item you are actually cleaning. Most standard off the shelf liability policies exclude this cover, either clearly or hidden away with a clause that says something along the lines of "cover excludes any damage to a
Treatment Risk
If you operate as a cleaning contractor then one of the most important things to look out for in your public liability insurance wording is "treatment risk" It's a crucial extension to a public liability insurance policy that protects anyone who uses chemicals, solutions or any form of treatment to help clean someones property. If you clean carpets or soft furnishings then you are at risk of them becoming discoloured or even shrinking and without the "treatment risks" extensi
Scratched Glass?
If you work as a window cleaner or as a general cleaner who has to, from time to time, clean the windows of a property then you face one of the most common and expensive risks to your business – the allegation, proven or otherwise, of scratching the glass, the frames or anything else you are cleaning. Most cleaning contractors would expect their insurance to cover such eventualities, but this is far from the case. A standard non-specialist liability policy has an exclusion fo
