From suffering an injury yourself or causing harm to a client or member of the public to damaging someone’s home or business premises, you have to be prepared for the worst. This means it’s essential to have suitable financial protection in place.
At Markel Direct, we offer tailored insurance packages designed to suit your specific needs as a cleaner. We’re here to safeguard your finances and allow you to concentrate on the task at hand.
What is cleaners’ insurance?
Cleaners’ insurance refers to the package of cover options available to self-employed cleaners and cleaning businesses. It typically includes public liability insurance. Other popular types of cover range from tools insurance to employers’ liability cover, professional indemnity insurance, occupational accident insurance and more. At Markel Direct, we provide a full range of policy options for you to choose from.
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Public liability insurance for cleaners
As a cleaner, there’s always a chance that you’ll cause accidental injury or property damage. This is simply a risk of the job. Public liability insurance for a cleaning business or self-employed cleaner is there to protect you in these instances. It covers the cost of claims made by customers or members of the public for injury or damage caused by your work.
For example, you might be mopping the floor of a canteen when a member of the public slips on the wet surface, or you could be vacuuming a property when the homeowner trips over the electrical cable. Or perhaps you accidentally spill bleach on an expensive carpet, drop an ornament while dusting or scratch a window while polishing it. No matter how careful you are, you can’t eliminate the risk of accidents like this occurring, and if they do, you could be left facing major costs unless you have suitable public liability insurance for cleaners in place.
Do I need cleaners’ insurance?
As a professional cleaner, you no doubt take great pride and care in the work you do. However, you can’t think of everything, and problems may arise. Possessions could get broken and people may be injured. Unless you would be prepared to cover the costs associated with these accidents yourself, you should seriously consider taking out cleaning liability insurance. It’s also important to be aware that some clients may insist you have public liability cover before they will do business with you.
You might want to take out insurance to cover your tools as well. As a cleaner, you rely on specialist equipment to get the job done, and some of this doesn’t come cheap. If your equipment was to be stolen or damaged, you might face a large bill to replace or repair it. Having tools cover in place as part of your house cleaning insurance or commercial cleaning insurance policy will ensure you’re not left counting the cost.
If you have anyone working for you, even if this is on a temporary or a part-time basis, it’s important to be aware that you’re required by law to take out employers’ liability insurance too.
Why choose Markel Direct for cleaners’ insurance?
There are lots of reasons why it pays to choose Markel Direct for your commercial or domestic cleaning insurance. For example:
✔ Protection tailored to your needs
We offer cleaning service insurance that is tailored to your precise needs, meaning you only pay for what you actually need.
✔ No hidden fees
Thanks to our fully transparent pricing system, you don’t have to worry about being hit with unexpected fees.
✔ Quick quotes
It takes less than two minutes to get a quote from us. All you have to do is fill in our simple online form and we’ll do the rest.
✔ Legal advice available 24/7
If you find yourself in a tricky situation, you’ll want access to legal advice immediately. Thanks to our 24/7 legal advice helpline staffed by experienced solicitors, that’s exactly what you’ll get.
✔ Impressive customer ratings
Our customer ratings on Feefo.com speak for themselves. Check them out to see what our clients think about our services.
How to buy cleaners’ insurance
Purchasing self-employed cleaner insurance from us couldn’t be easier. Simply fill in our online quote form and we’ll give you a personalised quote.
You can either start your cover immediately or arrange a policy to start up to 30 days in advance. The choice is yours.
How much does cleaners’ insurance cost?
The cost of insurance for a cleaning company or self-employed cleaner depends on a number of factors. For example, the size of your business will have an impact, as will the types of cover you choose and the level of protection you go for.
For more information, simply get a quote today.