Cleaners Public Liability Insurance

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What is Public Liability Insurance?

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If you are the owner of a cleaning business looking for public liability insurance then you need to ensure that the insurance you arrange provides adequate protection for your business.  GLEAMING INSURANCE are specialist insurance brokers to the cleaning industry and can provide your business with the level of specialist protection it needs.

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A public liability insurance policy will protect you if, as a result of your business, any party brings a claim against you (for which you are legally liable) for:

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• bodily injury or property damage occurring during the period of insurance

• personal injury or denial of access committed during the period of insurance

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In addition to this standard cover for damage and injury covered by public liability insurance,  the policy we offer includes the option to include cover for:

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Damage to Property Worked On

 

This covers you if you are accused of damaging whatever you are cleaning.   Without this extension to your cover you would effectively be uninsured whilst you are working.  Our policies include this cover, most other insurer's exclude this.

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Treatment Risks

 

If you use solutions or chemicals during the cleaning process (including bleach) then you probably know it is common for damage to be caused by such products.  Such damage is covered under the Treatment Risks extension.  Many insurers exclude claims caused where bleach has been used, but not ours.

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Loss of Customers' Keys

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If you are responsible for holding keys for your customers then you will need to ensure you have cover should you lose them.  Our policy provides key holding cover as standard.

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Failure to Secure a Customer's Premises

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When you leave a premises you have cleaned you may be responsible for locking up and setting alarms and if you fail to do this you could be liable should anyone break into the premises. Our policy covers you for such occurrences.

 

Losses from Dishonesty

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You will have undoubtedly made checks on all your staff or self-employed cleaners but you could still be exposed to potential claims should one of them decide to steal from your customers.  The insurer will pay for the sums you have to pay as compensation to your client following fraud and dishonesty.  However, they will not make any payments for your clients losses;

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• where you do not have a suitable reference for the employee covering the period of at least 2 years immediately prior to commencement of employment with you; 

• unless you notify us of such losses during the period of insurance or within 30 days of expiry of the period of insurance; 

• arising from the unauthorised use of any telephone system by any of your employees

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Documents for you to read

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Please have a read of the following documents which we hope you will find useful in understanding the cover. 

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