Exterior Cleaning Insurance
Secure your business with tailored exterior cleaning insurance cover
Public Liability Insurance for Exterior Cleaning
Protect your exterior cleaning business with our Public Liability Insurance. As specialists in the exterior cleaning industry, we deliver tailored insurance solutions designed to safeguard your business from potential risks. Trusted by leading trade associations, we provide expert protection that meets the unique demands of exterior cleaning professionals.
Don’t leave your exterior cleaning operations exposed—partner with Gleaming Insurance today for specialist support and comprehensive insurance designed for your needs.
If you would like to get a public liability insurance quote for your exterior cleaning business, you can start your quote here.
We can include cover for
Damage to Property Worked On
Protect yourself against claims of damage to surfaces you clean, whether it’s a brick wall, driveway, or patio. Without this cover, you could be left to resolve such matters on your own.
Treatment Risks
Using cleaning solutions or chemicals, including bleach, can lead to unexpected damage. Our Treatment Risks extension ensures you’re covered, unlike many insurers who exclude bleach-related claims.
Loss of Customers’ Keys
If you handle keys for your clients, safeguard yourself with our standard key-holding cover, protecting you against accidental loss.
Failure to Secure a Customer’s Premises
Liability for failing to lock up or set alarms after cleaning could lead to serious consequences. Our policy protects you in such scenarios.
Losses from Dishonesty
Despite thorough staff checks, dishonest acts could expose you to customer claims. Our policy compensates you for sums owed due to fraud, though it doesn’t cover direct customer losses.
Choose comprehensive insurance from Gleaming for your exterior cleaning business, to stay protected while you focus on delivering exceptional service. Let our specialist cover handle the risks for you, contact us today for a quote.
Employers Liability Insurance for Exterior Cleaning
Ensure your exterior cleaning business complies with legal requirements by securing Employers Liability Insurance. Whether you employ cleaners on a PAYE basis or work with self-employed cleaners, their payment method doesn’t affect your legal responsibility. If they work for you, they must be covered under an Employers Liability Insurance policy.
From a single cleaner working a few hours a week to a team of self-employed professionals clocking 16+ hours weekly, the same legal obligations apply. In accordance with the Employers Liability (Compulsory) Insurance Act 1969, all employees must be insured under your policy to protect them and your business.
Family businesses employing only close relatives may qualify for exemptions. To determine if your business is eligible, refer to the details outlined in the Act. For every other exterior cleaning operation, this cover is a legal necessity.
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.
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.