What is cleaners insurance?
Insurance that’s there for you if things get messy
If you run your own cleaning business then you’re use to be methodical and thorough with the work that you do. But whether you operate as a self employed cleaner or a cleaning business you appreciate the need for insurance to protect both your own and your businesses finances. At The Insurance Octopus, our comprehensive, low-cost cleaner’s insurance policies are designed to allow you to add, remove, increase or decrease covers whenever you need it – giving you a highly flexible cleaner’s insurance policy. You will be able to tailor your cover to the way you want it ensuring you have all the essential cover you need in one business insurance policy. Cleaners insurance is ultimately designed for cleaners in mind so the types of risks that you’ll need protection from as a domestic or commercial cleaner have been considered, covers include public liability insurance, product liability insurance, employers liability, legal expenses cover and more.
Having a tailored and comprehensive cleaner’s business insurance policy will help you protect yourself and your business. If you need a general business insurance policy, or you are a specialist in a particular field of cleaning, for example industrial cleaner, domestic cleaner, office cleaner or commercial cleaner, we can help you save time and money when it comes to arranging your business insurance policy.
What your cleaners insurance policy includes
Cleaners Public Liability cover
Public Liability insurance covers your cleaning business if someone gets hurt or property is damaged in by your business. Standard levels of cover are £1, £2m, or £5m and higher levels are available upon request subject to insurer’s terms and conditions. Public Liability will protect you should there be a legal case for injury or damage.
Employers Liability cover
Employers Liability insurance is a legal requirement if you employ anyone or pay sub contractors to complete work on your behalf with your tools and equipment. An Insurance Octopus standard Employers Liability Insurance policy is £10m cover..
Tools and equipment insurance for cleaners
Tools cover will protect your all important cleaning tools and equipment you need to carry out your trade.
In addition to our standard cleaner’s insurance package, if you are a specialist in a particular field you may need to amend your policy to be specific to your business. Remember to let us know such specific areas for example working up to 50 meters in height.
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.
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 specialists 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.
A specialist who knows your industry
We'll connect you with an agent who specialises 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.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
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.
Cleaners Insurance FAQ's
Get the answers you're looking for
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.
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.
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.
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.