Why Is Insurance For Cleaners Needed?
Whether you are a domestic cleaner, window cleaner, office cleaner or carpet cleaner, we’ve got you covered with a range of cleaners insurance policies.We can create cover for all types of cleaning requirements, and accidents – for example, using bleach on carpet that can’t be removed, or a client slipping on a wet floor and hurting themselves.You may be held liable, and with compensation costing potentially thousands of pounds, we can protect you against such claims, so you’re never left out of pocket.
With The Insurance Octopus, you can create your own bespoke policy, mixing and matching the cover you require, and only paying for the protection you need. With flexible payment methods available, and guidance from insurance experts who place your needs at the core of their recommendations, we can offer you so much more than a quote, and at a fraction of the cost too.
Let’s clean things up. For your cleaners insurance quote, simply fill in this handy quote form, or request a call back, and we’ll take you through the process, and suitable options. If you ever find yourself needing to update your policy, we’re happy to assist, and won’t ever charge administration fees for mid-term adjustments either.
What insurance should a cleaner have?
Public Liability Insurance For Cleaners
Wet floors, equipment lying around and damaged property may not be intentional, but can result in harm and injury. Standard levels of cover are £1, £2m, or £5m, with higher levels are available upon request.
Employers’ Liability Insurance
Covers any claims brought about by staff members who become ill, or get injured due to their employer’s negligence, including those who are part-time, subcontractors, or volunteers looking to learn the business.
Protects your cleaning equipment should it be damaged or stolen, providing compensation for replacements in its place. We can also cover equipment you’ve hired for certain jobs.
Personal Accident Insurance
Don’t only protect your clients and staff, protect yourself too. Broken bones, and illnesses can be compensated for, as can loss of earnings too.
Why you need cleaners insurance
Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a cleaner could need whilst working including liabilities and full tool and equipment cover. You can also add additional covers and we will endeavour to help you tailor your business insurance policy to the needs of your business. There are many risks associated with being in a trade specific occupation, and there are areas of risk that you may need to consider when looking for business insurance. Get in touch today to find out more.
Cleaners Insurance FAQs
What are the benefits of treatment cover for cleaners?
As a cleaner, you likely use a range of chemicals in your work. Many of these chemicals have toxic properties which could, in theory, cause harm or illness to people who are exposed to them. If you feel there is a risk of this happening, and want to be covered in the event that someone sues you for compensation, then having treatment cover will save you from having to pay out compensation from your company’s finances.
Do cleaners need legal expenses insurance?
If there is any kind of incident where someone is injured or property is damaged while you are working, and you wish to contest liability for it, there will be extensive costs associated with the court case. If you don’t have legal expenses insurance, you will have to front the legal costs out of your own pocket, or that of your business, so if you feel there is a risk of legal fees being accrued at any point, you would be well-advised to take out legal expenses insurance.
Do cleaners need employer’s liability insurance?
If you run a cleaning services company, it is a legal requirement for you to have employer’s liability insurance. This will guarantee that you are able to meet the costs of compensation claims from your employees should they become injured or fall ill due to something related to their work. Any company that has at least one employee must have employer’s liability insurance.
We’ll leave no stone unturned when it comes to
finding the right cover for your cleaning business
Provide housekeeping services?
If you provide additional housekeeping services such as cooking, ironing or other household management services then we can also cover you for that. Speak to our team of friendly cleaning insurance experts for more information.
Compare cleaning insurance quotes
As a business insurance broker we’re able to save you time and money by comparing quotes from a range of UK insurance companies. We can provide you with your policy and documents on the same day in most cases (subject to time of day restrictions), and offer a range of flexible payment options.
Why choose The Insurance Octopus for Cleaners Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen – with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How insurance for domestic & commercial cleaners works
Examples of Cleaners Insurance in action
Self-Employed and Sick
A lady who runs her own professional cleaning service depended on the income from her self-employed work. When she was diagnosed with bowel cancer, she was suddenly hit with the imposition of a lengthy lay-off while she underwent treatment. Without the income from her work, she would be unable to pay her bills whilst her cancer treatment was underway. Fortunately, she had taken out personal accident and sickness insurance. The sickness section of her policy provided her with a weekly benefit that saw her through her recovery, and she was able to stay afloat until she could return to work.
Other types of Tradesmen Insurance we can provide
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