Commercial cleaners are trusted with access to their clients' premises, often when nobody else is there. That trust comes with responsibility for injuries, damage, lost keys and security breaches, and the right insurance protects your business when something goes wrong.
Typical claims for commercial cleaning businesses
- A visitor slips on a freshly mopped floor where a warning sign was not in place.
- A cleaner knocks over a monitor or damages a client's IT equipment.
- A tap is left running and water damages the floor below.
- An office key fob is lost, and the client needs the building's access system recoded.
- An employee is injured using a floor machine and makes a claim against you.
The core covers
Most commercial cleaning policies combine public liability, employers' liability, loss of keys cover and cover for your equipment. If your clients include banks, jewellers or offices holding sensitive information, fidelity guarantee (employee dishonesty) cover is also worth considering.
If you hold stock, equipment or run an office or unit, you can add cover for your premises, contents and business interruption to the same policy.