FAQ Category: Cleaning Insurance

Our cleaning insurance protects you from potential financial losses due to incidents like accidental property damage, personal injury, or equipment theft while on the job.

Whether you’re self-employed or run a larger cleaning business, having the right insurance can safeguard your finances and offer peace of mind in case of claims.

Our cleaning insurance policies are designed to protect you from a variety of situations where accidental damage or injury might occur during your work. Here are some real-life scenarios our insurance covers:

• Accidental Damage to Property: You’re cleaning in a home office and accidentally knock over an expensive piece of equipment, like a laptop or a high-value decorative item.
• Chemical Spills: During carpet cleaning, a spill of cleaning chemicals damages a client’s flooring. Our insurance can cover the costs of repair or replacement.
• Slip-and-Fall Accidents: After mopping a commercial floor, a member of the public slips and sustains an injury. With our public liability insurance, any compensation and legal fees related to the incident are covered.
• Equipment Damage: Your essential cleaning equipment is accidentally damaged or stolen on the job. With equipment insurance, you’ll have coverage to repair or replace these valuable tools.
• Employee Incidents: If you employ staff, we offer employer’s liability coverage. For instance, if an employee gets injured from a fall while working on an elevated surface, this insurance helps cover associated costs.

Our insurance cover for cleaners provides peace of mind, allowing you to focus on delivering excellent service without the worry of unexpected incidents impacting your business.

Depending on your own business needs, the following types of insurance may be suitable for your cleaning business:

• Cleaners typically benefit from several types of insurance:
• Public Liability Insurance: Covers claims of injury or property damage caused to third parties.
• Employers’ Liability Insurance: Required by law if you employ staff, covering employee injuries or illnesses related to their work.
• Equipment Insurance: Protects your cleaning tools and equipment against loss, theft, or damage.
• Property Damage Coverage: Specifically covers damages caused to clients’ property during the cleaning process.

Common claims include slip-and-fall injuries on freshly cleaned surfaces, accidental damage to clients’ belongings, and theft or damage of cleaning equipment. Public liability and equipment insurance are especially helpful in covering these scenarios.

Even if you work part-time or have a single client, having adequate cover is still valuable. Accidents can happen at any time, and having insurance ensures you’re protected against claims that could arise, even from small jobs.

Yes, with the right level of equipment insurance, theft from your vehicle can be covered. This typically applies as long as you follow our policy conditions, such as locking the vehicle and keeping equipment secured when unattended.

While not legally required, it’s highly advisable. As a self-employed cleaner, you are directly responsible for any accidents, damage, or injuries that may happen while working. Insurance protects your finances and your reputation, allowing you to work worry-free.

Yes, our policies can cover accidental damage to clients’ property, such as spills on carpets or scratched surfaces, depending on your level of property damage coverage. Always check the specifics of your policy to understand what incidents are covered.

Public liability insurance is not legally required but is highly recommended to protect against potential claims. However, if you have employees, employers’ liability insurance is legally required by the Employers’ Liability Act 1969 in the UK, with fines for non-compliance.

We can only consider cleaning guttering above 5 metres off of the ground and under 10 metres off of the ground, otherwise this is not something we can assist with. We would require you to adhere to the endorsements we highlight when you select the cleaning guttering trade, headered Height Limit (Amended) – Gutter Cleaning and Safety Harness Condition.

We can provide insurance for cleaning companies with no more than 5 members of staff. If your company has more than 5 staff, unfortunately we are unable to help.