Insurance for cleaning is an essential safeguard for any company, large or small, that is involved in the commercial cleaning business. Cleaners insurance will cover you and your employees in the event of accidental damage or in the event someone is injured while at work. But how do you ensure you don’t end up paying more than you need while still being adequately covered for the most important aspects?
The first essential to note is that not all policies are created equally. The finer details and indeed the price will vary from insurer to insurer and it’s your responsibility to carry out your research before buying. Alternatively, you can seek out professional advice from a broker if you’re unsure where to start.
Familiarise yourself with various options so you know what’s available. Then, with this knowledge in mind, draw up a list of what you want a policy to cover and thing you definitely don’t need included. From here, you can begin to make informed decisions between specific cleaning insurance policies. The requirements for window cleaning insurance, for instance, are likely to be slightly different to a policy that will cover contract cleaners working in offices.
For each policy you are examining, ask yourself who the policy is intended to cover and what the exclusions are. Then compare prices and work out what your financial commitment will be under the payment terms. Look at whether each option is affordable and weigh that against the peace of mind it will offer if you do decide to take out that particular policy. One important thing to remember, though, is that you should never simply opt for the cheapest public liability insurance UK wide: with liability insurance it really is the case that you get what you pay for.
It may be hard to get excited about insurance for cleaning, but it really is worth putting the effort into making your decision. After all, you will be paying your hard-earned cash for the policy and you want to know it will cover you in all the right ways if something goes wrong.