Working as a cleaner can come with many hazardous situations and environments, so protecting your safety and others is essential. Risks associated with such an occupation include slips, trips, falls, working with harmful chemicals, being exposed to dirty conditions, and any general accidents that could happen to anyone.
Consequently, cleaners insurance should be obtained so that any claims filed against you will be covered financially when these unintentional accidents occur. Similarly, if you are injured, you will also not suffer through paying the entire expenses.
Types of Cleaners Insurance
Public Liability Insurance
Public liability insurance is by far the most beneficial type of cover a cleaner could have. This is because it could potentially save you from paying the remarkably high fees associated with legal procedures if a client is injured by your services in their home or work site and decides to sue you as a result of this.
Cleaning is especially subject to this because there are many instances where floors are still wet from detergents, and a ‘wet floor’ sign has not been put up yet, leading to customers slipping and banging their heads or fracturing their legs. Similarly, suppose bleach or other abrasive products are left without being sealed, and the customer knocks them over and subcutaneously absorbed. In that case, this may need to be evaluated by a doctor. All of this is classified as medical expenses, and thus, the cost is covered by the insurance company.
2. Personal Accident Insurance
Personal accident insurance covers the medical expenses and income lost when you cannot work due to an accident either at work or outside. As a cleaner, this is especially useful because if you are left injured, you cannot perform your job to a high standard, or even at all, depending on the injury. Cleaners must be observant so that they can leave the areas they clean spotless, often requiring lots of movement and fitting into small spaces to get the job done.
Therefore if you have a broken arm or are in lots of physical pain, this is almost impossible, and you are not in a fit condition to be at work. Personal accident insurance is unique because it covers accidents occurring at home, not related to work, so there is a broader range of cover.
3. Business Equipment and Tools Insurance
Business equipment and tools insurance means that any appliances or cleaning products used for work are insured against damage or theft. While some of this is inexpensive and easy to obtain, some specialist equipment can be a fortune to replace. This is heavily damaging to a small business that is focused on increasing its small profit margin. For example, this can be equipment like vacuums, steamers, waxing machines and a trunk to carry all this in. Most policies cover natural disasters like floods or fires destroying your appliances, as well as theft in the workplace.
4. Commercial Auto Insurance
Commercial auto insurance applies to cleaners that travel long distances to their customers’ homes, and as a result, have high mileage and an increased chance of traffic-related accidents. You can ensure your car either for only work-related travel, cheaper, or leisure and work, which is more expensive as there is an increased probability of accidents.
Furthermore, some insurance companies offer a policy to provide a replacement vehicle whilst your usual one is at the auto repair shop or searching for a new one, allowing you to continue operating your business without delay. A mode of transport is crucial as you are constantly travelling to a place to clean it.
5. Employers’ Liability Insurance
Employers’ liability insurance is only aimed at companies that hire workers. Therefore if you are a cleaner that also hires other cleaners, it is a legal requirement to obtain this cover. On the other hand, if you are not the manager, you should speak to your director and confirm this. This does not apply to cleaners that work for themselves and hire no permanent or temporary employees. Employers’ liability insurance relates to accidents that occurred in the workplace, like occupational hazards or general incidents, and recompensates you for evaluation or hospitalization, as well as lost income. A combination of this and personal accident insurance ensures maximal coverage.
To Conclude – Cleaners Insurance
Overall, cleaner insurance is necessary because the majority of independent cleaning businesses are small and developing. Therefore, growing your revenue and developing your business will make it successful; paying extra expenses like legal fees, medical costs, and repair costs is unnecessarily detrimental. Having insurance that will cover you instead and paying a monthly premium is safer and more penny-wise, as proven by how many companies have adopted it. Find out more about cleaning insurance here.
Other useful links about business insurance:
Arts & Entertainment Insurance
Business Building Insurance
Architect & Surveyor Insurance
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