To protect YOUR money and YOUR business's reputation!
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 itself.
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 NOW.
To find out about what we cover with our policies, read more on our "Key features of our policies" section
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 covered!
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 Group Ltd.
All of our Cleaning Insurance policies provide cover for:
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)
Most people 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 accessories.
Plant - (Mechanical floor cleaners)
Your own plant, or plant which you have hired for work on a contract, can be insured against theft or malicious damage.
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 business:
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 cover
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 restricted.
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.