If you have only just set up your cleaning business, you may be a bit confused regarding commercial cleaning insurance. While it is crucial that you take out a cleaning insurance policy, it is also vital that you understand everything that is entailed. With that being said, below, we answer some of your most commonly asked questions.
Do I really need cleaners insurance or can I take out a general liability insurance plan? You are highly advised to seek insurance from a specialist cleaners insurance provider. The reason for this is that they will be experts in your industry, and thus they will be able to devise a policy that covers all eventualities. If you use the services of a general insurance firm, you won’t receive optimal coverage, and you may experience hurdles when processing claims.
What are the main concerns an insurance provider will have when considering insurance for my company? They will want to know the type of work you do. After all, a domestic cleaning business is going to carry out different work when compared with a crime scene cleaning firm or a company that specialises in hazardous waste removal. Therefore, it is crucial to give a clear picture regarding the type of work you carry out. They may also want to know how many employees you have and how long you have been in business.
What does my insurance policy cover? This all depends on the policy you have taken out. As mentioned, if you go for a general liability insurance plan, you will probably not be covered for all eventualities. The best suggestion is to choose a company that can put together a bespoke policy that is tailored to suit you.
Why does it matter to the insurance provider if I provide residential cleaning or commercial cleaning? This links to the former question – there are different risks involved. If you make a claim for a residential incident, yet you have commercial cleaning insurance in place, you will experience some issues.