Cleaning Business Insurance

Getting insurance for your cleaning business with us is as easy as picking up the phone. Simply call our friendly broking team on 0800 917 2274.

We’ll walk you through the whole process, starting with a chat to get to know you and your business. From there, we’ll tailor a policy that fits your needs and budget.

And don’t worry if you’re not sure what you need. We’re here to explain everything in plain English, answer your questions, and give you the peace of mind that your business is properly protected.

Legally, you only need to have insurance if you have employees. In that case, Employers’ Liability Insurance is a must. It’s there to protect you against any claims for illness or injury that your team might experience while working for you.

We also recommend Public Liability Insurance. This safeguards you against claims for damage or injury from clients or members of the public. Whether someone slips on a wet floor you’ve just cleaned or a piece of equipment accidentally damages property, this cover has you protected.

If you have an office or a physical business location we can arrange Property Insurance to shield you from the unexpected, like a break-in or fire. And if you rely on specialist equipment for your work, Tool Insurance will keep them safe from loss, theft, or damage.

We know that no two cleaning businesses are the same, so we don’t believe in a one-size-fits-all approach. Instead, we tailor your policy to fit your needs. Whatever your situation, we’ll craft a policy that gives you just the right amount of coverage so you’re fully protected without paying for anything you don’t need.

The price depends on your business because it’s tailored to your specific needs and circumstances. For example, if you have employees, your premium will include Employers’ Liability Insurance to protect against workplace claims. If you use tools like pressure washers for patio cleaning, you might want to add coverage for theft or damage to keep your equipment secure.

At Chris Knott Insurance, we understand that every cleaning business is different. That’s why we build your policy around what matters most to you. Whether you’re a sole trader or running a small team, we’ll work with you to find the right coverage at a price that fits your budget.

Get in touch to arrange insurance quotes for a small cleaning business.

Even if you’re a self-employed cleaner with no employees, it’s a good idea to have insurance.

For instance, if you’re vacuuming and someone trips over your lead, they might pursue you for damages or injuries. Or if you accidentally use a stringent cleaner on a marble worktop that causes corrosion, the client may ask you to put it right. And that’s without taking into consideration any equipment that you may use, which may need to be replaced if it’s lost, damaged or destroyed. Appropriate insurance can help in all of these instances.

Remember: if you have employees, you will need Employer’s Liability Insurance by law.

Public Liability Insurance is a safety net for your cleaning business. It’s designed to protect you if a member of the public makes a claim against you for injury or damage. Imagine this: someone trips over your equipment while you’re working. Without the right insurance, you could face costly legal fees and compensation claims.

But it’s not just about financial protection. Public Liability Insurance also shows your clients that you’re professional and responsible. This can help to build trust and reassure them that they’re in good hands. It’s a small investment that can make a big difference to your business’s reputation.

If you are using your car to travel to client properties, then you will need to have your vehicle insured for business use. If it’s not, you may find that it’s not covered for accidents, theft or damage.

When you arrange a quote, be sure to mention that you might be carrying equipment to make sure this is covered by your insurance.

While Business Insurance for cleaning companies offers comprehensive protection, it’s important to understand that there are some exclusions and limitations. For example, intentional damage caused by you or your employees will not be covered. You will not be able to make a claim for wear and tear of equipment either. Remember to check for specific exclusions when arranging your policy.

At Chris Knott Insurance, we understand that cleaning businesses come in all shapes and size. We’re here to help you find the right insurance, no matter what type of cleaning service you provide. Here are just a few of the businesses we cover:

• House cleaning.
• Commercial cleaning.
• Carpet cleaning.
• Oven cleanings.
• Patio and driveway cleaning.
• Surgery and health clinic cleaning.

Whether your business is small or large, domestic or commercial, we’ll work with you to arrange a policy that fits your specific needs, so you can focus on what you do best.