Updated: Dec 9, 2019
When you apply a chemical or solution to a carpet, you will always run the risk of that carpet either shrinking or becoming discoloured. No matter how experienced you are or how many times you have done that process before.
For businesses working as carpet cleaners, this is a real and major risk.
The need for specialist insurance becomes very apparent when you realise that a standard liability policy would not give any cover at all for such damage.
This sort of damage is called "treatment risk" and unless you have a specialist carpet cleaners insurance liability policy that includes it you could be left to pick up the pieces.
Over the years, we have seen so many incidents where a policy is taken out purely on the fact that it is the cheapest, taken with a broker who doesn't understand the wording and how that impacts on a cleaner. The only way the cleaner finds out, is when something happens and the insurer comes back to confirm that no cover is in place.
That is one of the many reasons that Gleaming Insurance are considered to be one of the experts in the carpet cleaners insurance market - our policy includes this cover explicitly - we provide treatment risk up to the full limit of indemnity and we do that with the lowest excess in the market.
Our policy is only provided to cleaning contractors, no other trade gets our specialist carpet cleaners insurance cover - we only work with cleaning contractors and we have over 20 years experience in doing so.
Don't get caught out by cheap, poorly worded policies - speak to the experts when your policy is due for renewal and have that peace of mind for your business.