Domestic Cleaners Insurance
Protect your business with tailored Domestic Cleaners Insurance cover
Public Liability Insurance for Domestic Cleaners
Gleaming Insurance provides tailored insurance for the domestic cleaning industry, ensuring your business gets the protection it needs. Recognised and approved by many trade associations, we are trusted experts thanks to the specialist wording in our domestic cleaning insurance policy.
Domestic cleaners insurance is essential to protect both your business and your clients from unexpected mishaps. Having the right insurance for house cleaners safeguards your operations and provides peace of mind.
If you would like to get a public liability insurance quote for your domestic cleaning business, you can start your quote here.
We can include cover for
Damage to Property Worked On
Accidental damage can happen while cleaning items like carpets, sofas, or TVs. With our “Damage to Property Worked On” cover, you are protected if you’re accused of causing damage during cleaning. Without this, you would have to handle such claims yourself.
Treatment Risks
Using chemicals or solutions, including bleach, often risks damage to surfaces. Many insurers exclude bleach-related claims, but we include this under our Treatment Risks cover, ensuring your business stays protected. It’s a vital part of comprehensive cleaner insurance.
Loss of Customers’ Keys
If you handle customers’ keys, losing them could lead to serious problems. Our policy includes key holding cover as standard, so you’re safeguarded against such incidents.
Failure to Secure a Customer’s Premises
If you’re responsible for locking up and setting alarms after cleaning, any oversight could result in break-ins. Our policy covers you in these situations, protecting you against potential liabilities.
Losses from Dishonesty
Even with thorough background checks, you can face claims if staff or self-employed cleaners steal from your customers. Our insurance compensates for such claims following fraud or dishonesty. However, it’s crucial to have suitable employee references covering at least two years before employment and to report claims during the policy period or within 30 days of its expiry.
Employers Liability Insurance for Domestic Cleaners
Running a domestic cleaning business often means hiring self-employed cleaners or employees on a PAYE basis. Regardless of how you pay them, anyone working for you must legally be covered by an Employers Liability Insurance policy.
Whether it’s one cleaner working a few hours a week or a team of self-employed cleaners putting in over 16 hours, the legal obligation to provide this coverage remains the same. Keep your business compliant and protected with the right insurance in place.
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 window 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.
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.