On the way to a carpet or upholstery cleaning job, a stone flicks up and cracks your windscreen. The glass is the only damage, but you need it replaced quickly so you can get to your next booking and keep the day running smoothly.

Windscreen damage is typically covered under a Comprehensive Motor Vehicle Policy and the basic excess may be waived.

A customer drops off an heirloom rug for cleaning and you store it overnight in your workshop. A burst pipe floods the storage area and the rug is water-damaged. The customer seeks the cost to repair or replace it.

Care, Custody and Control is a benefit commonly included under Public Liability insurance. It may respond to property damage claims where client property has been left in your care.

After you finish a deep clean, you place a warning sign but a client’s visitor steps onto the damp carpet, slips and sprains their wrist. They claim medical costs and loss of income and name your business in the demand.

Public Liability insurance for cleaner work can respond to third party injury claims from an accident at a client site.

While pre-spraying a lounge room carpet, your hose connector pops off and water runs under a timber skirting, lifting the boards. The homeowner invoices you for repairs and replacement materials after the floor warps.

Public Liability Insurance may respond to third party property damage claims arising from your business activities.