Cleaners Insurance

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.

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.