What types of cleaning insurance policies do you and your team need?
To an outsider, cleaning might seem like an easy everyday job that, whilst being somewhat tiring at times, is not the kind of thing that could cause anyone injury. Many professionals will tell you that this isn’t the case, though. While plenty of accidents can happen just through routine tasks like mopping, sweeping, vacuuming and dusting, one or two strong chemicals are also being pumped around at times.
All these things and more can cause accidents for cleaners. These problems can arise in all kinds of situations regardless of whether someone is working to clean an office, a school, or a gym, affecting people working in a team or working alone. This wide range of possibilities is what makes cleaning insurance so important.
Are Cleaning Insurance Policies Adjustable?
Most insurance providers can construct policies that help you piece together a plan that covers the exact things that you need protection for and against. Public liability insurance will be something at the forefront of most cleaners’ thoughts, and many minds would also be put to rest by employer’s liability insurance so that you’re prepared should surprise legal or medical expenses crop up. Past those two, the details are likely to change on a case by case basis depending on just what your working environment is like.
Office and business equipment insurance
Office and business equipment insurance is one thing that cleaners often consider including as part of their cleaning insurance package. Whilst professional and safe behaviour is likely to become increasingly habitual with experience, even the most careful person can make a mistake at the end of a long day or if someone has left something in a wild place.
With businesses always keen to be at the front of technological developments, who knows what sort of expensive gadgets might be lying around someone’s office?
All it takes is one mistake for something to go wrong, which could result in a high cost to bear if you’re not adequately prepared and insured. If you’re working in a space with computers and newer tech, this is something you’ll want to consider as part of your plan.
Tool insurance is also likely to be a serious consideration for most cleaners. In the long run, no one’s going to be able to keep their first set of tools in top condition forever. Firstly, you’ll possibly save money in the long term by not having to fork out for new parts of equipment every time, and instead, know that you’re paying a small direct debit every month to have you prepared for when these situations arrive.
Whilst these costs might not otherwise be particularly noticeable with more menial bits of equipment like a mop when the rotary floor scrubber, buffer, or polisher break, you’ll be glad that you don’t have to fork out thousands to get a replacement suddenly. Lastly, you may end up building up a better reputation with clients in the long term if you have tool insurance. Whilst this may sound unlikely at first, hear us out.
Through no fault of one’s own, it is natural for many people who aren’t in high paying jobs to want to make things last. Whilst this is a good habit in the right quantities, people can naturally find themselves extending the use of things longer than they should from time to time. In a profession such as cleaning, where your clients will come in and notice your work possibly every day, if one of your critical bits of equipment has stopped doing its job so well, people are going to notice.
This might end up looking like you’re no longer giving care to the job or that you’re cutting financial corners by not using working equipment. If this problem keeps popping up, it’ll be hard to maintain a reputation as a reliable and hardworking cleaner. Therefore, in the long run, the safest thing to do to ensure that you’re using the equipment that your reputation deserves at all times, many cleaners choose to take out tools insurance.
How to get the right deal for you
It’s essential to communicate with potential insurers about the actual work you and your team does and how a policy can best be designed to fit this. Companies operate in many different ways. You may be undertaking tasks that do not typically fall under the remit of other cleaning companies, in which case you’ll need to make sure you’re back covered in these other areas.
On the other side, if your company or your current clients don’t perform or require specific services that are usually considered the default, it is worth discussing this as you may be able to save money on your policy. Nobody wants to be spending money on things that don’t apply to them!
Find out more about cleaning insurance here.
Other useful links about business insurance:
Public Liability Insurance
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