Cleaners Public Liability Insurance - why do Cleaners
and Cleaning Businesses need it?
To protect YOUR money and YOUR business's
If someone slips on a wet floor you are cleaning, the price
might not be just a loss of their dignity!
Personal injury claims can escalate if you are sued for loss of
earnings, specialist medical care and compensation for the injury
From mopping tiled floors, cleaning around computer
equipment or polishing valuable antiques in stately homes,
accidents can happen!
Cleaners Liability Insurance covers you if your customers,
their property or the general public suffer an injury
or damage to their property due to your work or equipment.
(Accidents are covered - but nothing malicious, sorry!).
You are liable for the cost of claims made if you don't have
Cleaners Insurance. Without Insurance how many extra hours
would you have to work to make up the cost? Cleaners Liability
Insurance will also cover accidental damage to equipment (Such as
computers and electrical equipment).
We all hate bills, so don't leave yourself and your business
open to one of the largest bills of all – an insurance
claim! Get Cleaners Public Liability Insurance and the only
bill you will have to pay is the excess!
We know that you are busy and searching for Business Insurance is
not exactly fun, that's why YOUR Insurance has made finding
the right Cleaners Insurance quick and simple. YOUR Insurance
has teamed up with the UK’s leading Business Insurance
companies allowing you to quote, compare and buy online
To find out about what we cover with our policies, read more on
our Benefits page.
Compare Cleaners Public Liability Insurance from YOUR
Why choose YOUR Insurance?
You could save money with exclusive deals: At
YOUR Insurance we offer prices and schemes from leading UK insurers
that you can't buy direct.
Instant quotes: Quote, compare and buy online 24/7
365 days a year.
In-house Underwriters: On hand to help get you
Spread your payments: To
help manage your business cash flow you can choose to pay your
insurance premium by monthly Direct Debit.
Policy documents emailed to you: So you can access
them day or night.
Call us for free! Need help? we are
available to help you Monday - Friday 9am - 9pm and Saturday
9am - 5pm 0800 107 8949
What you see is what you pay: We don’t start
adding to the price after you’ve said go ahead, so you will never
pay more than the price you see.
Peace of mind: By taking out one of
our Cleaning Liability Insurance
policies you’ll know you have the support of Europe's largest
independent insurance intermediary, Towergate Underwriting
Key features of our policies
All of our Cleaning Insurance policies provide cover
This forms the core of all of our Business Insurance policies. It
can protect you against the potential costs associated with an
injury claim by a member of the public and against property damage
claims as a result of your business activities.
Public Liability Insurance for Cleaners can cover the legal
defence costs for alleged negligence and pay compensation
where your business is found to be at fault.
Policy limits of £1 million, £2 million & £5 million,
with £10 million available for certain trades.
You are required by law to have Employers’ Liability Insurance
for people you have under a contract of service
with you; either as manual labour, clerical work or otherwise.
Limited companies also require Employers Liability Insurance under
this law. You could face fines of up to £2,500 per day if you
do not have an Employers Liability Certificate.
Tools of the cleaning trade -
(Handheld E.g. Hoovers)
know cleaners who have had their tools and
equipment stolen. Our policies can cover you against theft or
damage to your portable handheld tools, equipment and their
Plant - (Mechanical floor
Your own plant, or plant which you have hired
for work on a contract, can be insured against theft or malicious
Things to look out for - Exclusions and tips
To make sure that you get the most from your Public Liability
Insurance for Cleaners, you need to make sure that you bear these
things in mind when choosing your policy and running your
Public Liability excesses
Given that the work covered by a Cleaners Public
Liability Insurance may differ, policy excesses will vary
according to your activities.
Statutory exemption from Employers Liability
If you run a family business in which your employees are closely
related to you, you would usually be exempt from Employers
Liability unless your business is run as a Limited company
Some insurers will restrict cover by applying height or depth
limits, or by restricting the use of heat equipment. You may also
find with certain Cleaners Public Liability Insurance Policies
that the types of premises you are insured to work upon are
Theft of tools
You will know that equipment theft is an occupational hazard for
the cleaning trade. Because of this, most insurers have conditions
which specify minimum security requirements to reduce the risk. For
example, your policy is likely to require that you store your tools
out of sight and inside a locked van or building overnight.