Carpet Cleaning Insurance
Public Liability for Carpet Cleaners
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What is carpet cleaning insurance?
We have tailored a specialist policy for carpet cleaners operating within the UK. Our Carpet and Upholstery Cleaner policy provides you with comprehensive cover in the event of an unfortunate incident occurring.
Our policy includes Public Liability cover of £1 million for Carpet cleaners as standard with the option to upgrade further. This cover will provide protection if a claim is made against you by a third party, in the event of an incident which resulted in bodily injury or property damage caused by you or your employees.
If you employ any members of staff it is a legal requirement to have a policy which has Employers Liability. Our carpet cleaners insurance policy will provide you with protection in the event of an employee claiming against you, should they get injured whilst working under your employment.
The policy includes Business Equipment cover up to £250. This can be increased if required. This will cover equipment should it get accidentally damaged, lost or stolen. We also include cover for Damage to Property Worked Upon. We can also offer optional extra cover for Loss of Keys, Theft from Unattended Vehicles and Fidelity Insurance.
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Why choose Protectivity for your carpet cleaning insurance?
Fast & Simple Process
We aim to make buying insurance for cleaning businesses online easy, that’s why you can get a quote for your Cleaning Insurance policy and buy your cover in just a few minutes.
Trusted by Thousands
We have been providing insurance to UK customers for over 30 years. Today we protect over 50,000 customers each year, and uphold an excellent customer service score based on over 3,000 customer reviews.**
Monthly Payment Options
We are one of the only online Cleaning Insurance providers to offer monthly payment plans with 0% APR. This means you can spread the cost of your cover across 10 months.
Excellent Claims Handling
Our specialist UK based claims handlers aim to deal with any cleaners insurance claim you have, minor or serious, quickly, without causing disruption to your business.
What is covered with our carpet cleaning insurance?
Public Liability
You can choose up to £5 million worth of Public Liability to cover you against claims arising from accidental injury to a third party or damage to their property. This could be a client tripping over your equipment, or it could be damage to a household item, such as a piece of furniture for example. Either way, in the event of an accident like this, you are vulnerable to a substantial compensation claim, as well as other associated costs.
Employers’ Liability
If you employ members of staff (even just one) then it is a legal requirement to have employers’ liability insurance in place. This means that if one of your employees is injured while working, and suffers financial loss as a result, your insurer will cover you (up to £10m) for compensation.
Business Equipment
Cover
As standard, we provide £250 worth of cover for your equipment against theft, loss and accidental damage, free of charge. You can increase the protection of your items up to the value of £12,000 and add cover for Theft from Unattended Vehicles.
Damage to Property Worked Upon & Treatment Risks
As standard we provide you up to £2,500 of cover for damage to the item(s) you are cleaning at the time you are cleaning it. It also covers damage caused by chemicals you use. This can be increased to cover up to £5,000 for an additional premium, as required.
Optional Fidelity Insurance
In the event your employees have acted dishonestly, fraudulently or committed embezzlement, then we can offer cover up to £10,000 for the period of cover, restricted to a £1,000 per employee.
Optional Loss of Keys Cover
In the event that you lose a client’s keys, you can be covered up to £5000 for new keys, replacement locks, the cost of re-setting intruder alarms and associated call-out costs.
I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.
Fantastic claims handling
Whilst the risk is low, there is always a chance of an unexpected incident, you might have to deal with. That’s why we’re committed to making our claims process as smooth and efficient as possible.
If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.
Why do you need insurance for carpet cleaning?
Ensuring you have the right cover for you carpet cleaning business is important. It not only will provide you with reassurance but also the cover you may need in the event of a third party claim. Having our carpet cleaning insurance will provide protection against possible risks and unfortunate incidents while demonstrating your profession.
You may find that you need Public Liability insurance if you or an employee cause any bodily injury or damage to a third parties property while working. The policy provides many other cover benefits which, in the event of an unfortunate accident, could reduce the financial implications and effect on your business.
How much does carpet cleaning insurance cost?
Depending on the level of cover chose, the cost of carpet cleaning insurance can vary. Public Liability and Damage to the surface/item being cleaned are included as standard, but upgrading the level of cover will increase the premium. Additionally, other benefits such as Loss of Keys, Fidelity/Dishonesty, Employers Liability and Business Equipment are optional extras which again would be reflected in the price of the policy.
Whether you are looking for domestic window cleaning insurance or commercial, you should expect to pay somewhere in the region of £60 to £100 a year for your policy or £5 to £9 a month.
Frequently Asked Questions
Q. Can I include liability cover for subcontractors, who I use to aid my business?
A. This depends on your agreement with your subcontractors. Labour-only subcontractors (working under your direction) can be included on your policy of insurance, for work they provide under contract with yourself and your business only and should be included in the total numbers you provide in this application of insurance.
Bona-fide subcontractors (working under their own direction) will have to have their own insurance cover and cannot be included on your insurance policy but you will be obligated to retain proof of their insurance.
Q. Are my tools and equipment covered?
A. Yes, in the event you lose, damage or have your tools stolen, your equipment will be covered up to the value of £250 with the option to increase up to £12,000 and include cover for theft from unattended vehicles.
Q. Are my tools covered for theft when inside my vehicle?
A. No, unless you select the “Theft From Unattended Vehicles” selection during your quote and purchase process and pay the additional premium relating to this.
Q. How many employees can I insure within my policy?
A. 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.
Check our tips and guides to running a small business
This content has been created for general information and should not be taken as advice. Make sure you have the correct level of cover for your requirements. For full details on what is covered check our policy documentation with your quote.
*Prices refer to a quote from our website 03/11/2023. Prices will differ depending on requirements. Make sure you have the correct level of cover for your requirements. For the most accurate pricing get a quote.
**Number of policies sold between 1st Jan 2022 to Dec 2022.
Have a question? Contact us...
If you have any other questions regarding our Cleaners Insurance, then feel free to get in touch on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.
More information on what we can cover on this policy can be found on our FAQs page.