Getting the best cleaner’s insurance cover

Working as a domestic of commercial cleaner, you’re in the business of restoring someone else’s property to its former glory. In doing that, you’re working with industrial strength cleaning products and some heavy duty cleaning equipment. As a business owner, it’s important to have the right insurance in place to ensure your operations stay squeaky clean.

Your biggest risks as a cleaner are damage to people (clients or members of the public) and damage to property. Both of which pose a significant cost risk to your business. But public liability insurance for cleaners can help you avoid finding yourself in a big mess.

What is public liability insurance for cleaners?

Liability insurance protects your business against the financial costs associated with damage to property or injury to another person as a result of your actions on the job. If you damaged someone’s floorboards with industrial strength cleaner or someone tripped over a cord or a piece of your equipment and breaks their right arm for instance, your business could be liable for expensive repair or medical costs. These sorts of expenses are generally not viable for a small business owner. So if you’re running your own business as a cleaner it’s important to have insurance to keep you in business!

Is it required for cleaners in Australia?

If you’re contracting your business services to commercial companies, large corporations with multiple buildings, shopping centres or real estate agencies, you may have a contractual obligation to have public liability insurance for cleaners in place before they’ll contract you. However, it is not a legal requirement.

How much will insurance for cleaners cost?

The cost of your insurance will be dependent on where in Australia your business operates, your annual revenue and the number of employees in your business. You could get public liability insurance from as little as $30 a month depending on your business details, which is a small price to pay to secure your business in the event of an accident on the job.

What other cleaner’s insurance covers do I need for my business?

Few cleaning business operate as a one man band, more often than not small cleaning businesses have between four and 20 staff members at any one time. It’s a mandatory requirement for all business owners in Australia employing staff to have a Workers’ Compensation Policy in place. Public liability insurance only covers personal injury for third parties, not for staff who work for your business. Workers’ Compensation is cover for your employees if they sustain an injury during their work.

So if you’re running your own domestic or commercial cleaning business, contact the expert team at All Trades Cover on 1300 826 850 to talk about public liability insurance or get a quick and simple cleaners’ insurance quote online today at AllTradesCover.

AllTradescover is Australia's fastest growing trade insurance provider offering low cost tradesman liability insurance and public liability insurance packages. Request a quote today.