On the way to a commercial 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 keep moving between sites and stay on schedule.

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

While cleaning an office, a client asks you to move a laptop and work bag onto a side table. Your vacuum cord catches the table, items fall and the laptop screen cracks. The client asks you to pay for repairs and replacement costs.

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.

You mop a commercial building lobby near the lifts. Before the floor dries, a courier walks through, slips, injures their wrist and needs time off work. They claim you failed to manage the hazard and seek medical costs any settlement or compensation.

Public Liability insurance for cleaners is designed to cover third party injury claims arising from an Occurrence linked to your services.

During an office clean, a sprayer leaks degreaser onto a polished timber floor in a reception area. The chemical strips the finish across the walkway and the building manager invoices you for sanding, resealing and downtime while repairs are completed.

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