Cleaners Insurance

Cleaners insurance is there to protect you against the unexpected. If something happens to your tools and equipment or if you suffer an injury, insurance can help you remain financially secure.

You can tailor your coverage to your risk exposure. For example, a typical policy might include items such as damage to your equipment, injury, or damage to property.

Consider the full value of everything you want to protect. Think about how much money you could lose if you have to stop work for a period of time. You should also work out how much public liability cover your clients may require you to have (this is the maximum amount which will be paid out in the event of a claim).  This will help you calculate the correct level of insurance.

Insurers will look at what level of cover you need, and the value of items being insured before calculating a premium. You can bring this down this by reducing the level of cover, but this may leave you financially exposed. You can also take precautions to reduce the risk of having an accident. This will make it less likely that you need to claim and may result in lower premiums down the line.

Best of all, shop around. The market is competitive. Use that to your advantage to find the best deals. Compare today with Brisco Business to find a policy to meet your needs.

If you’re working as either a self-employed cleaner, or you run a cleaning company, you will require insurance of some kind. As a legal requirement, you’ll need public liability insurance for cleaners to protect the general public. You might also require employers liability insurance if you run a cleaning business and have any other cleaners working for you. It can also be a great idea to get business equipment insurance to protect your cleaning equipment.

Yes, you will. While you might not require employers liability insurance to work as a self employed cleaner, you will still require public liability insurance for your cleaning business. This is to protect the general public from injury, and prevent your business from being bankrupted in the event that someone is injured due to tripping over your equipment, or slipping on a wet floor. While it might not be a legal requirement, self employed cleaners may also want to invest in cleaning equipment insurance in the event that your equipment becomes damaged.

While commercial cleaners are more likely to need to claim on their insurance policies, domestic cleaners are also required to invest in cleaning insurance. Domestic cleaning insurance can cover all your legal costs in the event that you need to claim on your insurance. Whether you require employers liability cover or public liability for your domestic cleaning business, don’t hesitate to get in touch with Brisco Business Insurance today.