Cleaning Insurance
Secure your business with tailored cleaning insurance cover
Insurance For Cleaning Businesses
Ensure your cleaning business is fully protected with specialist insurance from Gleaming Insurance. As trusted brokers in the cleaning industry, we provide tailored coverage designed to safeguard your operations from unforeseen risks and liabilities.
Whether you manage a small domestic cleaning service or operate a large-scale commercial cleaning business, our expert team understands the unique challenges you face. We offer comprehensive Public Liability and Employers’ Liability Insurance, ensuring you remain covered against accidents, damages, and legal claims that could impact your business.
If you would like to get a quote for your cleaning business, you can start your quote here.
We can include cover for
When searching for cleaners insurance, it’s essential to ensure your policy includes crucial protections tailored to your industry. Safeguard your cleaning business with specialist insurance designed to cover key risks and liabilities.
Damage to Property Worked On: If you accidentally damage a surface or item while cleaning, you could face claims. Our policy ensures you’re fully protected, so you’re not left handling costly disputes on your own.
Treatment Risks: Cleaning chemicals, including bleach, can sometimes cause damage. Unlike many insurers who exclude treatment-related claims, we provide cover to safeguard your business.
Loss of Customers’ Keys: If you’re responsible for holding clients’ keys, losing them can be a serious issue. Our policy includes key-holding cover as standard, protecting your business from potential claims.
Failure to Secure a Customer’s Premises: When locking up after cleaning, any failure to secure the premises properly could result in liability if a break-in occurs. Our insurance ensures you’re covered in such cases.
Losses from Dishonesty: Employee dishonesty can lead to significant claims from clients. Our policy covers compensation payments due to fraud or theft, provided the required checks and conditions are met.
Employers Liability Insurance for Cleaners
When you run a cleaning business you may need to use self employed cleaners to help you or maybe employ people on a PAYE basis.
How they get paid doesn’t matter, the fact that they work for you means they legally have to be covered by an Employers Liability Insurance policy. Whether you have one person working for you for a few hours a week or a team of self employed cleaners working 16+ hours a week you still have the same legal obligation. Anyone working for you has to be covered by law in accordance with the Employers Liability (Compulsory) Insurance Act 1969.
There are a few exemptions for family businesses that only employ close members of their family. Please read the Act for more details of these exemptions.
If you would like to get an employers liability insurance quote for your exterior cleaning business, then contact Gleaming Insurance today.
Information We Need to Provide a Quote
Our policy makes things simple and cost-effective by not requiring details on the number of people working for you. Instead, we only need your estimated annual turnover and the total annual payments made to direct employees or self-employed cleaners (labour-only subcontractors). This tailored approach ensures part-time cleaners are charged at a lower premium than full-time staff, helping you save money. Unlike many insurers who charge per person, our policy offers better value.
Non-Limited Companies
For non-limited companies, we don’t need to know payments made to the business owner(s), as Employers Liability Insurance doesn’t cover owners’ takings.
Limited Companies
For limited companies, we only require the drawings made by directors involved in cleaning since directors are considered employees under the policy.
Clerical Staff
There’s no need to report payments for clerical staff who solely handle office duties, as they’re excluded from the policy.
Cleaning Agencies
If you manage a cleaning agency and introduce self-employed cleaners to homeowners, you’re responsible for providing Employers Liability Insurance. Many agencies misunderstand this legal obligation. If you operate a Cleaning Agency, introducing self employed cleaners to customers, then please contact the office for a quotation as this online product would not be suitable for you.
What Cleaning Businesses Do We Insure?
We provide comprehensive insurance for both domestic and commercial cleaning businesses, ensuring they are fully protected with Public and Employers’ Liability cover.
Whether you run a small home cleaning service or manage a large-scale commercial operation, our tailored policies are here to safeguard your cleaning business. We offer insurance policies for the following:
If you would like a quote for your cleaning business, then contact Gleaming today.
Cleaning Insurance FAQ
Cleaning insurance is a specialised type of cover designed to protect cleaning businesses from the risks and liabilities they face during their operations. It includes essential protections like Public Liability Insurance, which covers claims for accidental damage or injury caused while cleaning, and Employers’ Liability Insurance, a legal requirement for businesses employing staff.
We offer insurance tailored for both domestic and commercial cleaning businesses. Whether you operate a window cleaning business or manage a large-scale office cleaning team, our cover is designed to protect your needs. Contact the team at Gleaming Insurance today for your cleaning insurance quote.
Public liability insurance covers claims arising from accidental damage or injury caused during your cleaning activities. It helps protect your business from financial losses due to third-party claims.
Yes, we provide employers’ liability insurance, which is a legal requirement for businesses employing staff. This covers claims related to employee injuries or illnesses sustained during work.
Our policies include cover for accidental damage to property worked on, ensuring you’re protected against claims involving surfaces or items cleaned during your operations.
Getting a quote is quick and simple. Contact Gleaming Insurance today for tailored cleaners insurance that fits your business needs and keeps you fully protected.
Contact Gleaming Insurance
If you’d like some independent insurance advice or a specialist cleaning insurance quote for your business, please contact our experienced team via email or start your online quote.