What Insurance Do I Need For Commercial Cleaning?
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Are you considering starting your own commercial cleaning business? Or do you already own a commercial cleaning business and are looking for business insurance?
With the rising need for professional sanitisation and cleaning services in office spaces, there has never been a better time to work in the field!
But before you start advertising your services, you’ll need to go through a few steps, including getting business insurance.
And to make it easier for you to get started, we’ve listed below five types of insurance you need as a commercial cleaner.
Public Liability Insurance For Commercial Cleaners
Public liability insurance is designed to provide your business with protection if one of your customers, suppliers or a member of the public sustains injury or property damage due to your business operations. For instance, let’s assume you just dusted light fixtures in an office using a step ladder, and you forgot to pack it away as you moved on to another task. Now, imagine that one of the workers entered the room, tripped on the ladder and hurt themselves. In that situation, they injured themselves because of your negligence, and that’s exactly the type of situation public liability insurance would cover you for.
Products Liability Insurance For Commercial Cleaners
Products liability insurance will protect your business if a product supplied by a third party causes damages. For instance, let’s imagine that you provided a faulty cleaning agent to one of your customers’ and the product ended up damaging your client’s property. If your clients lodge a claim and you’re found liable, your business will be covered under your products liability insurance.
At upcover, we provide small business owners and independent contractors with business insurance tailored to their needs. So, if you’re not sure where to find the best provider for your commercial cleaning business, hop onto our instant quote generator, where you can get an estimate on market-leading insurance for commercial cleaners in seconds. Simply enter your occupation and expected revenue to get started.
Workers’ Compensation Insurance
This insurance is recommended if you operate a commercial cleaning business with several employees. That’s because workers’ compensation insurance is designed to cover businesses and employees in the event an employee injures themselves at work.
Workers’ compensation insurance should be a key element of your risk management plan, as this type of policy will cover both medical expenses and lost wages due to the situation.
As a commercial cleaner, you might be using expensive equipment such as high-end vacuum cleaners, high-pressure washers or carpet extractors. That’s why insuring your heavy-duty equipment against theft or damage might be a good idea, as it’ll prevent you from having to fork out thousands of dollars in replacement.
Business Vehicle Insurance Or Commercial Auto Insurance
As a cleaner, having a vehicle is paramount. After all, how are you supposed to carry your equipment from one client to another?
Vehicle insurance or commercial auto insurance is designed to cover your car, pick up or truck if your commercial vehicle is stolen or gets damaged and needs to be fixed.
Depending on your policy, business vehicle insurance will also cover damage to a third party vehicle resulting from an accident, as well as medical expenses, and legal fees.
Again, be sure to check out upcover's instant quote generator to get a quote on business insurance for your commercial cleaning business.