RECOMMENDED EXTENSIONS Niche cleaning jobs require specific cleaning companies with staff who have the right specialist cleaning skills and equipment. Businesses like these need insurance packages that have been specifically developed for the cleaning industry, and that will cover all eventualities and situations that they may face.

“Specialist cleaning businesses need the right protection to ensure that

their business, their employees, and the public are covered should the worst happen.”

Standard public liability cover will not offer the full protection that is required of a specialist cleaning business. In addition to Public and Employers liability insurance, specialist cleaning businesses should look for a policy that provides the following insurance extensions, as a minimum:

• Financial loss extension – This is insurance protection against legal liability for third party financial loss arising from a defect or unsuitability of the products or services provided. For example, if a business incurs a financial loss directly caused by the acts of the cleaning business, they could find themselves liable.


INSURANCE? Public liability insurance (PLI) covers your business if a member of the public is injured in some way, or if you damage a customer’s or member of the public’s property, when carrying out specialist cleaning services.

While PLI is not a legal requirement, it should be considered essential if you work on or in property, whether that is in a client’s home or business premises, or if you interact with the public in any way during your work.

When taking out PLI, ensure that you tell your insurance broker the type of activities that are carried out by your specialist cleaning business so that you can agree on the suitable level of cover required. It may be that cover up to £1m is sufficient for your needs, or that a larger policy of around £5m would be more appropriate for your business.

CASE STUDY: A specialist high level window cleaning company had been tasked with cleaning the exterior windows and cladding of a housing executive-owned building. Whilst using access equipment, the bucket of the machine accidentally knocked against the balcony of one of the properties. This damaged the masonry work and part of the glass area.

The cost to rectify the work was covered by the company’s public liability insurers.

• Treatment risks – This is protection to cover damage which your cleaning business is legally liable to pay for, i.e. loss or damage to any item being cleaned or treated. For example, if your cleaning business applies a stain guard to a carpet which then shrinks or discolours, your business could be liable to a compensation claim.

• Damage to property being worked upon – This is insurance protection to cover damage which you are legally liable to pay for, for loss or damage to any item being worked on or maintained. For example, during an exterior building clean, if the settings on the cleaning equipment are too high or the chemicals used cause damage to the brickwork, your cleaning business could be liable.

• Keyholder protection – This covers the loss of keys or failure to secure a customer’s premises. For example, cleaners may need to work late at night and out of regular office hours and consequently are often trusted with a set of keys and alarm activation.

• Theft by employees – This extension provides cover for loss of money or property due to employee dishonesty or an act of fraud.

Insurance policies should include cover for legal costs in respect of an alleged breach of statutory duty under Health and Safety legislation, and you may also need to ensure that you incorporate insurance protection for your specialist cleaning equipment, stock of chemicals and business premises into your business insurance package. SPECIALIST CLEANING | 61

Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32  |  Page 33  |  Page 34  |  Page 35  |  Page 36  |  Page 37  |  Page 38  |  Page 39  |  Page 40  |  Page 41  |  Page 42  |  Page 43  |  Page 44  |  Page 45  |  Page 46  |  Page 47  |  Page 48  |  Page 49  |  Page 50  |  Page 51  |  Page 52  |  Page 53  |  Page 54  |  Page 55  |  Page 56  |  Page 57  |  Page 58  |  Page 59  |  Page 60  |  Page 61  |  Page 62  |  Page 63  |  Page 64  |  Page 65  |  Page 66  |  Page 67  |  Page 68  |  Page 69  |  Page 70  |  Page 71  |  Page 72  |  Page 73  |  Page 74  |  Page 75  |  Page 76  |  Page 77  |  Page 78  |  Page 79  |  Page 80  |  Page 81  |  Page 82