What sort of insurance does a cleaner need?
For most domestic cleaners, the first priority should be protect you and your business against claims from third parties for personal injury or property damage; both against the potential costs of any awards made against you but also the expensive legal defence that you need to protect your interests.
What is public liability insurance for cleaners?
The public liability insurance policy protects you against claims made against you for your legal liability in respect of claims made against you for personal injury or property damage arising in the course of your business. The policy contains a limit of indemnity which is the most an insurer will pay out in the event of a claim and it is your choice at what level you set this limit. Common limits are £1M, £2m and £5M although other limits are available.
In addition to any awards made against you for compensation for personal injury or property damage the policy also provides for your legal defence costs in respect of any claim made against you and with legal costs easily running into thousands of pounds this is almost essential part of the cover.
Am I insured if I break something whilst I am cleaning it?
This is a very important question for cleaners and the answer is that under most polciies this is a specific exclusion to the policy cover. The good news is that this cover is available, as standard under one of the best priced poicies in the market. This aspect of cover does carry a higher policy excess than the standard third party property damage excess that is included on all policies, but the cover is there and will be of great value to you if you are unfortunate enough to damage or break an expensive item
How much is insurance for a self employed cleaner?
The good news for cleaners is that the premium for public liability insurance with a limit of indemnity of £1M, including the cover for property that you are cleaning, is less than £50 per year for sole trader self employed person. if you employ others or request a higher limit of indemnity, the premium will increase.
Employers Liability Insurance for Cleaners
If you employ people within your business you will require employers liability insurance, this is a legal requirement for all employers in the UK. There are a few exceptions to this requirement and this information may be found on our main employers liability page.
If you do require the cover, the legal minimum limit of indemnity is £5M although in practice insurers provide £10M as standard. This cover can be added to you public liability insurance policy easily and is the most cost effective, and in many circumstances, the only way to buy the cover.
Additional Insurance for cleaners
You may also wish to purchase cover in respect of your cleaning equipment or add personal accident insurance to your policy, once again, this is easily done under the main public liability insurance policy.
How do i buy insurance for a self employed cleaner?
You can apply on-line for cleaners insurance or alternatively you can call us direct to discuss your requirements with a broker who will be happy to assist you and provide you with our best terms for you requirements.