CASE STUDY Bad Day At The Office?


Gleaming Insurance are specialist insurers for cleaning companies, from small independents through to large contractors, including franchises. Working solely with cleaning companies means that we have an in-depth knowledge of your business needs and we want to share the following story with you as an illustration.


One of our clients is a large commercial carpet cleaner, holding a number of contracts with office premises in his area. On this particular occasion, an employee was cleaning the carpets in a four-storey building when he lost control of the £4,500 carpet cleaning machine he was using. Unfortunately, the machine tumbled down the stairwell, landing upside down, damaged beyond repair.


We received a call the very next day, from a very worried business owner, letting us know that the incident had happened and asking for our help. His main concern was that he would be unable to satisfy existing contracts and, ultimately, that he would lose business if the insurance claim process turned out to be lengthy.


We immediately informed Hiscox, our underwriters, to ensure the claims process was expedited. The investigations team began working


The timescale below gives a very brief overview of the process:


Day 1 – accident occurs


Day 2 – matter reported to Gleaming Insurance and passed to the underwriters


Days 3-8 – investigations, estimates and processing of the claim


Day 9 – the client had the funds in his account to replace the machine


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Nobody wants to have an accident when out on the job, but when disaster does strike, it’s important to have the right insurance to fall back on. Gleaming Insurance, specialist insurers for cleaning companies, tell us all about a particular incident where it paid to be covered.


with our client straight away and the process of investigating, estimating the claim and then processing it took just five days.


Just over a week after the incident had occurred, our customer had funds in his bank account to replace his machine and continue to service his existing contracts. And the insurance excess? Only £150 compared to the average of £250.


Obviously, our client was thrilled to bits with the speed of the process but the story doesn’t end there!


Remember that this heavy carpet cleaning machine had tumbled down the stairs and, on its journey, had damaged both the stairs and the landing where it ended up. The damage caused was costly to repair, requiring the services of an outside company.


Place yourself in your customer’s shoes. Would you allow someone to clean your house or office premises if they weren’t insured in the event they damaged something they were cleaning?


Fortunately, with one of our policies “damage to property being worked on” is an integral part of the policy cover we offer and we believe that all businesses operating in the cleaning industry should have this cover as standard. Unless you have it in writing that your policy provides this cover, then it is almost certainly excluded and, without this cover, you are not fully insured.


At Gleaming Insurance, our focus is on you. We know that keeping your business running after an accident has occurred is vital and that waiting for the replacement of damaged equipment could be harmful to your contract retention and reputation.


Our main message is check your insurance policy documents and make sure that it provides you with the level of cover you require, including damage to property worked on, combined with a low excess and speed of claim. However, we know that you are all busy business people so, if you don’t have time to read the small print, let us have a look at your documents and we will check for you – for free.


www.gleaminginsurance.co.uk @gleamingins


www.tomorrowscleaning.com


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