Cleaners insurance

Your work as a cleaner will involve you frequently coming into contact with property that does not belong to you, being protected with cleaners insurance can help give you peace of mind. Whether you are a domestic, office or industrial cleaner, an important aspect of your work will be making sure you do not accidentally damage the property you come into contact with. As a diligent professional you will take care to avoid accidental damage to property, but unforeseen incidents are a fact of life and you’ll want to be financially secure should something go wrong. Through Insure My Liability you’ll find a range of cleaners insurance packages geared to give you peace of mind as you work to provide a valuable and important service.

As you begin your search for a liability insurance policy, you might not know exactly what kind of cover you should be looking for. There are two main types of liability cover you should be looking at, the first of which is public liability insurance. In the unlikely event that you accidentally damage someone else’s property while you’re working you may be required to provide compensation to your client. You might also incur legal costs in the process of defending yourself against a claim of negligence or paying compensation. As you are most likely aware, litigation is an expensive business and you’ll want reassurance that, should an accident happen, you won’t personally have to meet the costs incurred as a result. Public liability cover comes as standard with all the cleaners insurance packages you’ll find on our site. To find a policy that suits you just click on ‘Get a Quote’ and within minutes you can be choosing between competitively priced insurance packages.

The second type of liability insurance you’ll need to consider is employers liability insurance which can form part of our cleaners insurance. This type of insurance is actually obligatory by UK law if you have one or more employees working for you. So although you won’t need to purchase this type of cover if you’re a sole trader, it’s absolutely vital if you own and/or run a cleaning business: fines for not having employers liability cover in place can be up to £2,500 per day. The reasons for taking this type of cover out are the same as the reasons for taking public liability insurance out, only the focus is on the well-being of your employees rather than 3rd parties. Should an employee of yours sustain an injury and try to take legal action against you this type of cover will give you the financial support to meet the potentially high costs of litigation. You’ll need to take out a minimum of £5m employer’s liability cover and through our site it’ll be available for a value of up to £10m. For the small price of paying for a competitively priced premium you’ll acquire your own peace of mind and comprehensive liability cover.