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 moving between jobs and stay on schedule.

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 and designer bag to a side table while you clean. Your vacuum cord catches the table, the items fall, a tablet inside cracks and the client asks you to cover repairs and replacement.

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 an apartment lobby near the lift and the floor stays slick. A delivery driver misses the warning sign, slips, injures their wrist and takes time off work. They claim you didn’t cone the area and seek any settlement or compensation.

Public Liability insurance for cleaners may cover third party injury claims from an occurrence linked to your services.

During a bond clean, your sprayer leaks degreaser onto a polished timber floor. It strips the finish across the hallway and the agent invoices you for sanding, re-sealing and lost rent while repairs are done.

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