Cleaning Companies: Protect Your Business with Comprehensive Insurance from FSB Insurance Service
Attention Cleaning Companies: Protect Your Business with Comprehensive Insurance from FSB Insurance Service
Are you a proud cleaning business who’s a member of the Federation of Small Businesses, working hard to keep Britain clean and shining?
As a cleaning company, you’re exposed to various risks every day. From accidental damage to third-party property to potential injury claims from employees or clients, the cleaning industry comes with its fair share of challenges.
But fear not, because FSB Insurance Service is here to support you every step of the way.
Cleaning companies, are you aware of the insurance risks you face?
From accidental damage to injury claims, the cleaning industry comes with its challenges. But fear not, because FSB Insurance Service is here to support you.
As a member of the Federation of Small Businesses, you understand the importance of protecting your company.
We asked one of our specialist insurers Sutton Specialist Risks what are the common claims they see that cleaning companies make.
“We have dealt with thousands of cleaning companies over the last 25 years and typically they suffer from slips, trips and falls from height.
This isn’t uncommon to many trades though cleaners often get the finger pointed at them for other incidents which are more specific to the cleaning industry, such as; damage to the objects they’ve been cleaning, incorrectly disposing of items, losing keys, failing to lock up when leaving an office and also theft or embezzlement.
Our extensive experience from working closely with cleaning contractors has shown that some of these claims might not occur as frequently as slips or trips, but they do happen regularly in the industry and when they do occur, it can be very expensive.
These are risks for which cleaning contractors need to protect themselves against and if a claim is made against your business and you are not covered, your business ultimately foots the bill for defending or paying the claim so it’s essential to protect your business from these unexpected costs.”
Daniel Hallmark CII – Sutton Specialist Risks
But do you know exactly what type of insurance you need as a cleaner?
Let us guide you through the process.
You work hard to provide exceptional cleaning services to your clients, and you deserve peace of mind knowing that your business is protected. With the right insurance coverage from FSB Insurance Service, you can focus on what you do best while we handle the rest.
Contact FSB Insurance Service today on 020 3883 7976 to discuss your insurance needs and get a customised quote tailored to your business requirements.
“Hopefully most cleaning contractors never suffer from a claim, though when you do incur a claim, you want to know that your insurance policy is there to protect the business you’ve built. All cleaning companies, and regardless of size, need to have Public Liability Insurance, so why not make sure you have a Public Liability policy that covers the widest possible scenarios. All Public Liability policies will cover slips and trips, though make sure your policy covers your specific activities as a cleaner.
This should include the following:
- Cover for the item being worked upon
- Treatment risks (ie using cleaning products for floors and carpets)
- Incorrect destruction of third party property
- Failure to secure the premises being cleaned
- Loss of Keys
- Fidelity Bonding & cover for the Criminal Acts of your employees
- Damage to 3rd party cleaning plant/equipment whilst being operated
- Property temporarily removed to your address for the purpose of cleaning”
Daniel Hallmark CII – Sutton Specialist Risks
As a cleaning company, you face a range of insurance risks that could potentially disrupt your operations and threaten your livelihood. Accidental damage is a common concern, whether it’s a spillage on a client’s expensive carpet or damage to their property during a cleaning job.
Additionally, there’s always the risk of injury claims from employees or clients, whether it’s a slip-and-fall accident or exposure to harmful cleaning chemicals.
So, what type of insurance do you need as a cleaner? At FSB Insurance Service, we understand that every cleaning business is unique, which is why we offer tailored insurance solutions to meet your specific needs.
FSB Insurance Service brokers comprehensive insurance packages that typically include public liability insurance to protect against third-party injury or property damage claims, employers’ liability insurance to cover your employees in case of work-related injuries, and professional indemnity insurance to safeguard against claims of negligence or errors in your services.
When it comes to the cost of cleaner insurance, it varies depending on factors such as the size of your business, the level of coverage you require, and your claims history. However, investing in insurance is a small price to pay compared to the potential financial consequences of a claim or lawsuit against your business.
“Buying insurance can be a daunting process, though if you are working with a good broker they can advise you on the risks to your business, and what insurances you need, whether it is Employer’s & Public Liability, cover for your tools on site, and even Personal Accident cover if you are a sole trader.
Working with the right broker can make the whole process so much easier and it is not always as costly as you might fear because specialist policies can start from as little as £150.
Purchasing a good insurance policy through a professional broker is an investment in your time and money which reaps a dividend through the peace of mind it gives you knowing that you and your business is protected from the widest possible number of claims.
And ultimately, when a claim does come in, would you rather the stress of dealing with solicitors letters yourself, or have the benefit of knowing a specialist claims department who work for a major insurer with years of experience in this field are working for you.”
Daniel Hallmark CII – Sutton Specialist Risks
Now, you might be wondering, do you have to be insured to be a cleaner?
Unless you employ someone it’s not a legal requirement to have insurance as a cleaner in the UK, it’s highly recommended to protect yourself and your business from unforeseen circumstances.
Not only does insurance provide financial protection, but it also enhances your credibility and gives your clients peace of mind knowing that you’re a responsible and reliable business owner.
In conclusion, as a cleaning company, it’s essential to recognise the insurance risks you face and take proactive steps to protect your business.
With the right insurance coverage via FSB Insurance Service, you can safeguard your livelihood and focus on delivering exceptional cleaning services to your clients.
Contact us on 020 3883 7976 today to discuss your insurance needs and let us help you secure a brighter future for your cleaning business.