Why Do Cleaners Need Business Insurance?
As a commercial or domestic cleaner, you may think you face little risk in your daily operations. However, running a cleaning business does present a few significant challenges. Not only is some of the building fit outs or equipment you clean around expensive, customers and vendors may also visit your location. Additionally, if someone damages or steals your equipment you will be glad you purchased commercial cleaning insurance.
As a Cleaning Business Owner, What Are My Risks?
Here are some of the risks that may be covered under business insurance for a cleaning company or cleaner.
- Damage to property - Cleaning solutions can damage items if they are misused or even drip onto the wrong materials. You are human and mistakes happen. However, when it is not your property, you can be liable for those mistakes.
- Injury to employees - If you have employees, they can get injured on a job. It is your responsibility to keep them safe, even if they are on a client’s location. If they are injured, you can be liable for their injury and responsible for their expenses.
- Injury to clients - If your client is injured because of your negligence, such as a failure to rope off an area or put out a sign that the floor is wet, you likely could be liable.
- Stolen or broken equipment - Depending on your cleaning specialty, you may have expensive industrial equipment. If that equipment is stolen or destroyed, you could be out of business until it is replaced or repaired. Additionally, the costs to replace or repair the equipment could cripple your business.
What Insurance Does a Cleaner Need?
Here are some of the major types of cleaning insurance you will need.
- Public Liability Insurance Coverage for Cleaners - Liability coverage is essential for all domestic and commercial cleaners. Public liability coverage protects your business from claims that arise when others allege you are negligent. For example, you just mopped the floor at a commercial client’s office location. A worker there slips on the wet floor, falls, and breaks her arm. Your public liability policy may defend you against the ensuing lawsuit when needed and may pay the damages sought by the injured party.
- Personal Accident and Illness Coverage for Cleaners - What happens if you are hurt and cannot pay your bills? Personal accident and illness coverage can help replace your income if you become unable to work after a serious illness or injury.
- Business Tools Insurance for Cleaners - What happens if someone steals your tools? Can you still earn a living? Business tools insurance can help provide the money you need to replace stolen or damaged equipment. This peace-of-mind coverage helps keep you in business.
Is Cleaning Insurance Expensive?
Cleaning insurance is surprisingly affordable. Depending on your business income and other factors, we can offer you several quotes provided by highly respected insurers from which to choose. If you are proactively managing your cash flow, financing is also available.
Why SMART Business Insurance?
At SMART Business Insurance, we treat all our clients with a friendly and individualized approach. For more information about insuring your cleaning business, talk to a SMART Business Insurance broker on 1300 542 573 or contact us online.
Our customers include sole traders, subcontractors, and small business owners, including cleaners who operate on-site cleaning services. We provide cover in all six states and two territories across Australia.
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Important: Cover may only be available subject to meeting the insurer’s underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations. Talk to a SMART business insurance broker on 1300 542 573 for more information.