On the way to a 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 getting from one home to the next and stay on time.

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

A client asks you to move their laptop bag onto a side table while cleaning. Your vacuum cord catches the table, the bag falls and a tablet inside cracks. The client asks you to cover repair 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 shared apartment entry near the lifts and the floor remains slippery. A courier misses the warning sign, slips, injures their wrist and takes time off work. They allege poor signage and seek compensation.

Public Liability insurance for cleaners may respond to third party injury claims arising from an Occurrence linked to your work where you are legally liable.

During a bond clean, your spray bottle leaks degreaser onto a polished timber floor. It strips the finish along the hallway and the agent invoices you for sanding, resealing and lost rent while repairs are completed.

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