Most cleaning businesses do not need professional indemnity insurance. It becomes relevant when you are paid for your advice or expertise, for example writing cleaning specifications, carrying out hygiene audits, advising on infection control or managing other contractors.
When professional indemnity is worth considering
Professional indemnity covers claims that your advice or professional service was negligent and caused your client a financial loss. It is different from public liability, which covers injury and physical damage.
- You design cleaning specifications or schedules for clients
- You carry out hygiene, infection control or compliance audits
- You provide facilities management and manage subcontractors
- A contract or tender specifically requires it