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As an owner of a cleaning business, you could be held liable for any accidents, damage or harm caused in the course of your business. Additionally, if your company owns cleaning equipment and a stock of cleaning chemicals, you may want to consider the cost to replace these items if they were stolen or damaged.
In short, business insurance could provide your cleaning business much needed peace of mind that you’re covered in the case of an insurable event.
Below is a list of some of products which may be relevant for your cleaning business. If you’d like to compare quotes for any of these products, you can easily do so online with iSelect and BizCover.
Cleaning can be a risky business. A client could slip on a wet floor or trip over a vacuum cleaner. Cleaning chemicals could damage business equipment or permanently damage a floor or work station.
Public Liability insurance is designed to help provide protection for you and your cleaning business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Portable equipment, or general property insurance, can cover specified items such as tools, cleaning equipment or electronic items. You can generally chose between comprehensive cover which will usually include accidental damage cover or insured events cover (for events such as fire, theft by forcible entry, explosion or storm).
This could include coverage for vacuum cleaners, chemicals and sprays or other cleaning equipment used in your line of work.
Subject to the terms and conditions of the policy, Personal Accident and Illness insurance can provide levels of cover for loss of income if you are unable to work, suffer permanent disablement or even death as a result of an unexpected injury or illness (even if it occurs outside of your employment).
If you were to fall while cleaning a staircase and dislocate your shoulder, you could make a personal accident claim if you have an appropriate insurance policy. Depending on the level of cover, you could receive a portion of your wage to help support you during your recovery.
As with most types of policies, the costs of taking out cleaning insurance will depend on the level of cover that you choose. Comprehensive protection could attract a higher premium, while basic packages may attract lower premiums.
Additionally, the type of cleaning work you perform may also affect the premium. For example, a sole trader doing domestic cleaning could pay less than a business that employs a large team that works in public areas.
At iSelect we’ve partnered with BizCover to help small businesses find business insurance. If you’d like to compare products for your cleaning business, get started by comparing* online or call our friendly team on 13 19 20.
Last updated: 27/05/2020