What Insurance Do I Need As A Home Cleaner?
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Are you a cleaning contractor?
Or perhaps you own a home cleaning business?
Cleaning residential properties means that you’re delivering your services to a few different locations every day. And as a result, you’re creating liability for your cleaning business.
No matter the size of your business, having insurance will protect your cleaning company and your financial assets in case something goes wrong. And it’ll help you maintain a successful business.
So, without further ado, here are four types of insurance you need to consider if you want to stay protected as a home cleaner.
Public Liability Insurance
Public liability insurance is the most common type of insurance held by cleaning businesses and independent contractors. This type of insurance will protect your business and financial assets if one of your clients claims that they have been injured due to your business operations. And it will also protect your company if one of your customers claims you’ve damaged their property while cleaning their home.
What’s more, public liability insurance for cleaners also applies if one of your suppliers or a general member of the public suffers injury or property damage due to your business operations.
When cleaning a property, many things could go wrong. You could mop the floors and forget to let your clients know, causing them to slip and fall or use the wrong product on an expensive piece of furniture and damage it. And that’s the reason why cleaners hold public liability insurance in Australia.
Products Liability Insurance
Products liability insurance is designed to cover you and your business if there is an unintentional defect in a product sold by a third party and you’re found liable for the damages it causes on your customers.
At upcover, we like to make things simple for busy contractors and business owners. That’s why we’ve packaged public and products liability insurance for cleaners together.
Tool & Portable Equipment Insurance
High-quality vacuums, carpet cleaners and other professional cleaning tools can be expensive. That’s why insuring them could be a great way to prevent you from having to spend a fortune if they break on the job or get stolen.
Portable equipment insurance (also referred to as general property insurance) provides protection if you lose or damage your tools. And it will also cover you if your equipment is stolen, provided that you have properly secured the items according to the terms of your policy.
Personal Accident & Illness Insurance
Accidents can happen anytime, especially when you have a physical job. And unfortunately, as a cleaner, if you injure yourself, you likely won’t be able to work for some time. Personal accident and illness insurance will provide protection if you become unexpectedly sick or injure yourself and can’t work, leading to a loss of revenue.
Helping Cleaners Find Business Insurance
To find the best insurance for your cleaning business, jump onto our free instant quote generator. It will provide you with an estimate on market-leading insurance for cleaners in seconds. Simply enter your occupation and expected revenue to get started.