What if we damage a client’s contents as a result of our cleaning?
If you damage your client’s property then you would be covered under a damage to property or treatment risk extension which would cover things like scratching windows or damaging a carpet as a result of your cleaning.
What if we fail to clean up leading to a claim?
If you have failed to clean which leads to a build up of rubbish then a standard public liability policy wouldn’t cover you for claims made from your clients leaving you to liable to the costs incurred.
One way to protect yourself from this is having an Inefficacy cover included as part of your policy. You typically will get this from specialist Cleaning Contractor Insurers who include cover as standard on their specialist Cleaning Contractor insurance.
What if we fail to secure the premises or lose the keys?
If you have a specialist cleaning contractor insurance this is usually included as standard, but beware normal liability policies typically will not cover this leaving you exposed if you fail to secure a premises which results in a claim.
What if I contract/use other cleaning contractors to help me on a job?
If you sub contract another cleaner onto some work you are doing then they are defined as either
- Labour Only Electricians – This means they do not have their own insurance in place and effectively are deemed an employer of yours from and Employers Liability point of view
- Bona Fide Electricians – This means they have their own insurance in place, however should this insurance fail the claim will be made against your policy. Also watch out for a condition on your policy that states that the bona fide contractor must have the same limit of indemnity as you. So if you have £5m Public Liability Insurance (PL) as your contractor to show you evidence they have the same limit.