November 22, 2016
Cleaners Insurance can be seemingly simple, but it’s a surprisingly complex equation that’s important to get right.
Cleaners often experience higher premiums than other trades, largely due to the prevalence of slip and fall claims in the industry and the associated high payout figures.
It’s important when organising your Cleaners Insurance, particularly Public Liability, that you engage a company who asks the right questions about your activities, and that you answer these questions truthfully.
Neglecting to do this to save on premium could see activities you conduct excluded from coverage altogether, meaning you could be left to defend yourself in the event of a claim.
Commonly, insurers will want to know if you’re cleaning shopping centres during business hours. This question can be worded differently, and can include the terms arcades and malls. They may also query work in other high foot traffic areas, such as train stations and car parks.
These types of work, occurring during business hours, attract a higher risk with Cleaners Insurance due to the aforementioned slip/trip type occurrences. Ensure your activities are clearly defined when organising your Public Liability Cleaners Insurance.
Another important consideration when organising Cleaners Insurance is Injury & Illness.
A quality Injury & Illness Insurance including Illness/Sickness cover can protect you by supplementing lost income if you’re off work for an extended period of time due to an unforseen injury or illness.
Here at Go Get Insurance, we offer cost and time effective solutions for Public Liability and Injury & Illness Insurance for Cleaners.
The importance of having protection in place when running a Cleaning Business cannot be underestimated.
If you don’t have these covers currently in place for your business, or you’d just like an alternative quote to your current policies, simply click away on our easy two-step process above to get started.