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Cleaning contractors have access to a range of insurance products, but public liability is by far the most popular.
As a cleaner there are plenty of risks that you face when it comes to property damage and personal injury, which are the two main events covered by public liability insurance.
Slip and fall claims are a major issue for cleaners due to the liquids involved, and there is also the risk of property damage caused by some of the cleaning solvents used.
Thankfully public liability insurance can help to protect you and your business from some of these risks.
Public Liability for Cleaners
Public liability insurance for a cleaning contractor will cover a number of risks.
If your business activities result in property damage or personal injury to another person or entity you will generally be financially liable for their losses.
Claims of this sort can range anywhere from a few hundred dollars for minor property damage, through to hundreds of thousands for major personal injury claims.
By having the right public liability cover in place you can avoid the costs of such a claim, and instead have the insurance company take care of things.
Which Cleaners Need Public Liability?
It is generally only cleaners who work under an ABN that need public liability insurance. If you are employed on wages or salary and don’t have our own ABN, generally you will be covered by your employers insurance.
It is best to check with whoever is hiring your services as to whether or not you need your own cover, but if you are invoicing yourself then it is most likely that you will be responsible for your own actions and will therefore need your own insurance.
If you are an independent cleaning contractor your public liability requirements will generally be set by the locations you are working in. For example if you are cleaning within a shopping centre they will have their own insurance requirements that you must meet.
Special Considerations for Cleaners
Cleaning contractors work in a variety of locations, and some of these locations are not covered by all of the insurance companies.
If you work in locations which see high levels of public traffic, such as shopping centers, railway stations or large commercial buildings you will find that many of the mainstream insurance companies will not offer you cover.
In this case you may need to use a specialist insurance company. The good news is that we have access to a range of specialist insurers who will offer cover for a huge range of cleaning situations that others won’t touch.
The safest option is to tell the insurance company or broker everything about your business. It may mean that your premiums are a little higher, but at least you will be properly covered.
Insurance Cost for a Cleaning Contractor
The cost of public liability insurance for cleaners can vary hugely depending on the type of cleaning work you are doing.
If you are a sole trader doing domestic cleaning only your premiums will be very low, but if you are running a business with multiple staff cleaning in public areas your premiums will be a lot higher.
The easiest way to find out the public liability insurance cost for your cleaning activities is to obtain a quote.
Public Liability Quotes
Quotes for public liability insurance can be obtained from a range of sources. You can contact the insurance companies directly, however this generally involves a lot of running around if you want to compare quotes from a variety of insurers.
A better option for many business owners is to use an insurance broker or adviser who can obtain quotes on your behalf from a wide range of companies offering insurance for cleaners.
Here at https://www.publicliabilityinsurance.com.au we have access to a network of insurance brokers and advisers who specialise in insurance for cleaners and can obtain cover to suit your business at a price that suits your budget.
For more information on public liability insurance for cleaners please complete our online quote form or get in contact with us.