Insuring your cleaning business
As a professional cleaner you’re in a position of trust with your clients. You take pride in what you do and you respect their property and privacy. But you can’t think of everything, and challenges do come up. Things get broken, people have accidents and clients may not always be satisfied with you work. Hiscox protects you with a tailored insurance policy that covers legal liability claims and the other risks you face as a cleaner.
Why you need to insure your cleaning business
Dissatisfied clients
As a professional you’ll take the time to understand and agree exactly what your clients expect of you, but that doesn’t mean you won’t run intro trouble. You have your own exacting standards, but there’s always the chance that a client won’t be satisfied with your work. They might discuss it with you directly first, but if they decide to take action against you, it’s important to be protected.
Damaged property
It doesn’t matter whether you’re a domestic cleaner or you work in offices, you know the importance of handling other people’s property with care. Still, accidents happen and whether a high-spec TV topples off its stand while you’re dusting or one of your new employees spills a drink over an office printer, we’ll cover the compensation costs you need to pay.
Accidents and injury
A client could return home early and slip on a wet floor, or trip over the cable of your vacuum cleaner. You may not think you’re liable as the accident took place in their home, but any injury caused by your professional services could lead to a public liability claim. Taking out the right insurance means we’ll be there to help with costs, you’ll only have to pay the excess.
If you’re not sure what you need, tell us a little more about your cleaning business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for the cleaning industry
Public liability insurance
Public liability insurance protects you if a member of the public claims they’ve been injured or believes their property has been damaged as a result of your professional services. It might not seem like a dangerous profession, but accidents can happen quickly, especially with wet floors and equipment lying around. If the worst happens, we’ll be there to help with the legal and compensation costs of dealing with any claims against you.
Employers' liability insurance
If you employ anyone else in your business, you need to put employers' liability insurance in place. It’s there to cover you for the costs and hassle involved if an employee claims they’ve been injured or they’ve fallen ill because of the work they do for you. It’s not just for full-time employees though, even someone helping you out at the weekend could decide to make a claim if they’re injured while working with you.
Portable equipment insurance
You rely on the tools of your trade and in many cases you can’t do the agreed job without them, so what what happens if they’re damaged or stolen? Whether it’s your own specialist equipment that goes missing, or you’ve hired something special in just for a particular project, portable equipment insurance as part of your business insurance policy from Hiscox makes sure you’re covered for replacements or repairs so you can get back to work as quickly as possible.
These are just some of the types of insurance for cleaning businesses that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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