You keep everything shining and sparkling; if it wasn’t for you, we wouldn’t see out of our homes and offices, or walk our halls without falling over our own mess.
Everyone wants to see that you have insurance, and it seems a pretty straight forward thing to sort out as it comes up. What’s the worst that could happen – you knock over a vase maybe, or scratch some glass?
Believe it or not, Window Cleaners and General Cleaners are one of the most important trades when it comes to knowing the ins and outs of insurance – particularly Public and Products Liability.
You can’t be expected to know all of this with a business to run, and often working longer hours into the evenings than most other trades; who has the time? That’s where we come in.
GoGet are experts in cleaners insurance and window cleaners insurance, and it’s our mission to wipe those cloudy insurance streaks away, so you can see things crystal clear and go about running your business.
As a cleaner, you may think that causing property damage to the amount of 5, 10, or 20 million dollars is impossible. Sure, some of your clients may have expensive items that you need to take care around – that vase we mentioned earlier, or perhaps a stained glass window – but 5 million worth? It’s possible, but not probable.
The greater area of concern is Personal Injury. What if you accidentally left some chemicals out and a child mistakenly drank them? What if you dropped a work tool, or knocked a heavy item on a passerby’s head? A serious injury claim like this could drag on for years, and you can see how quickly one of these limits could be exhausted.
Our GoGet Liability cleaning business insurance is specifically designed to take these concerns away. It offers one of the best levels of protection on the market, with tailored extra covers and interest-free monthly instalments.
In addition, with insurance for window cleaners, GoGet offers external height limits of 2 or 5 stories above ground level, so you can select the level of cover you need, and pay accordingly.
One of the biggest problems with a lot of Public Liability insurance policies for cleaners is the exclusion of faulty workmanship. At GoGet, we’ve seen this exclusion on many insurance policies over the years, and we thought it was time to do something about that.
Most Liability policies exclude faulty workmanship; they may cover the costs of resulting damages, but not the work itself.
With some other trades, this makes sense. For example: a Carpenter doesn’t secure a railing properly, someone leans against it, it gives way, and they break their arm.
In this example, the person’s broken arm (the resulting damage) might be covered, but the cost of fixing the railing (the faulty workmanship) most likely wouldn’t be.
With cleaning trades, however, you work on existing physical property and items, and your work doesn’t involve constructing, installing or fixing; you treat and clean these things. This potentially means that any damage you accidentally cause to the surface of something you’re working on could be deemed as faulty workmanship.
You might scratch some glass, or damage a rug with a vacuum or chemical – if this happens, and your policy excludes faulty workmanship, then you might not be covered.
At Go Get Insurance, we have gone to great lengths to ensure that our insurance for cleaners and our insurance for window cleaners have the Faulty Workmanship exclusion removed, so you can clear your mind while clearing the clutter.
If someone cleaned you out, stealing all of your equipment, could you still trade?
If you wiped yourself out, and were injured or ill for a time and couldn’t work, would the future be sparkling or cloudy?
These are very important questions – cleaning business insurance wouldn’t be complete without protecting your own income and assets; that’s where Go Get Injury & Illness and Go Get Tools and Stock Insurance could serve you well.
We’re specialists in cleaners insurance and window cleaners insurance; just follow our easy two-step quote process to get an idea on the costs of these policies, and have a read of the PDS for a full understanding of the cover.
GoGet Injury & Illness Insurance is Annually Renewable and factors General Advice only. A Guaranteed Renewable policy, which can provide a benefit period up to age 65 (which does impact on the premium), requires personal advice taking your individual circumstances into account. Should you wish to consider the greater level of protection and flexibility that a Guaranteed Renewable policy provides, click here.
Depending on your Business structure and location, you might require Workers Compensation Insurance if you’re a Company, Working Director, or have deemed Employees. Please check your State Government requirements to ascertain this information.
Please read the PDS for full details on policy coverage, conditions and exclusions to ensure a full understanding of the product you are purchasing.