Cleaning Business Insurance
Cleaning Business Insurance
Public Liability Insurance for Cleaning Business
GLEAMING INSURANCE are specialist insurance brokers to the cleaning industry and can provide
your business with the level of specialist protection it needs.
Cleaning Business Insurance is something that should be arranged by every cleaner to help protect them from the financial outcomes of any mistakes.
Insurance for a cleaning business can be complicated, but we have done much of the up-front underwriting to make getting a quote really simple. If you operate an insurance cleaning business then you can get your quote in minutes.
Insurance for Cleaning needs to have some really specific covers in place.
We can include cover for:
Damage to Property Worked On
This covers you if you are accused of damaging whatever you are cleaning. Without this extension to your cover, you would be left dealing with the matter on your own.
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 treatment risks, but Gleaming Insurance includes this vital protection.
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 the 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 client's 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 the expiry of the period of insurance;
Employers Liability Insurance for Cleaning Business
When you run a 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.