Whether you want to know how cleaning liability insurance is different from public liability insurance or you’re thinking about taking out liability insurance, we have created a guide to explain why the insurance policy is important for cleaning businesses. Take a look at our guide to ensure that you get the best insurance policy for your cleaning business, below.
What Is Cleaning Liability Insurance?
This type of insurance can also be referred to as third-party insurance and is in place to protect people from third-party claims. Therefore, if someone gets injured or has an accident or a property or person gets damaged, a business will have protection if a claim is made against them.
Main Types Of Liability Insurance
As there are many different types of liability insurance policies, it’s important that businesses get the best one to suit them the most. Examples of liability insurance, include:
- Comprehensive General Liability Insurance
- Product Liability Insurance
- Employer’s Liability Insurance
- Commercial Liability Insurance
Who Needs Liability Insurance?
If a business can be held liable for causing damage to a property of injury to another person, you need liability insurance. Any chance that a business could be sued for causing damage or injury, they must have a liability insurance policy to cover the business. Additionally, there may be times when a client isn’t satisfied with the work and take action against the business, which is why it’s important that they’re protected. Businesses that meet customers require public liability insurance, including:
- Cleaners
- Caterers
- Plumbers
- Electricians
- Builders
What Does Liability Insurance Cover Businesses For?
If a business has liability insurance, the policy will cover a variety of legal costs, such as pay-outs paid by the insurance party. However, in the case of intentional damage, parties are not covered. For example, if cleaners are at a client’s property and they spill something on a computer causing permanent damage, the company could get sued. Although, by having liability insurance, the company will be covered for any legal fees up to the limit of their policy.
Why Do Cleaners Need Liability Insurance?
Liability insurance is important for cleaners and cleaning businesses. As cleaning involves using specialist tools and equipment, it’s important that businesses remember to include cleaning business equipment in their policy for full protection.
By law, if a business has contractors, causal workers or employees, they’re required to take their employers’ liability insurance to cover claims from employees who have been injured or become ill due to working for them. Some insurance companies offer specific insurance options for housekeeping services. Therefore, if the work covers cooking, ironing or cleaning, the business should make their insurance company aware.
As you can see, liability insurance is crucial for cleaning businesses and will ensure that businesses are covered should a client make a claim against them. When a business chooses their policy, they must make sure that they tell their insurance company all the work their business covers, so they are fully protected.
It is evident that the services offered by a professional cleaning business are important for the success of any company. By providing a clean and healthy environment, businesses can improve the productivity and morale of their employees. In addition, a clean office can help to portray a positive image to customers and clients. If you are looking for a reliable and affordable cleaning service, please contact us today.