What Type Of Insurance Do I Need As A Cleaner?
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You’ve decided to launch your own cleaning business.
You’ve done your research and know exactly what services you’re going to offer. You’ve also invested in some quality equipment and have been promoting your business day and night.
So much so, that you’ve landed your first client and are now wondering whether you need insurance as a professional cleaner?
Well, the answer to this question is yes. Whether you’re an independent contractor or a small business owner, you need insurance. And to help you, we’ve highlighted in this blog post some types of insurance you should hold as a cleaning business.
Public and Products Liability
All Australian cleaning businesses must hold public liability insurance, whether offering domestic or commercial cleaning services.
This type of insurance is designed to protect your business from costly personal injury and property damage claims.
But how does it work exactly?
Well, if your business causes personal injury to a third party due to an unintentional defect in your work, or an accident while you're providing your services, and your business is held accountable, the insurance may cover the financial costs of the claim as well as legal fees up to the insurance coverage limit.
A public and products liability insurance policy will protect your business from the risk of being liable and being exposed to some serious financial troubles.
So, if you want to protect yourself and your business, don’t hesitate to use our instant quote generator to find the right insurance cover for you within seconds.
All you need to do is select the type of business you’re running or planning to run (domestic cleaner, carpet cleaner, window cleaner, etc) and input your expected revenue in the next 12 months. And ta-da, you’ll be able to get a rough idea of how much a public and products liability insurance would cost you.
Cyber & Privacy Liability Insurance
Did you know that one cybercrime is reported every eight minutes in Australia?
Cyber and privacy liability insurance policies are designed to protect your business from any individual accessing your company’s personal information. For instance, depending on the type of cover you hold, you will be protected in the event of a financial loss due to a data breach.
While you might think that as an independent contractor or small business owner, the risk is low, a staggering 65% of Australian SMBs have been affected by cybercrime over the past year!
That’s why, at upcover, we’re including cyber and privacy liability insurance in our offering, so feel free to use our instant quote generator to get an estimate on this policy in seconds!
Other Types of Insurance
Workers compensation insurance protects small businesses that have employees. It usually covers medical expenses in the event one of your employees hurt themselves on the job. And it also covers lost wages in case of illness on the job.
If you’ve invested in some heavy-duty equipment such as floor cleaning machines or pressure washers, it might be a good idea to get your tools insured. Some insurers will cover your equipment in case it’s stolen or damaged on the job.
We hope this article has answered your questions regarding the type of insurance you need to hold as a cleaner operating in Australia. If you have any other questions, please don’t hesitate to get in touch. We’d love to help!