fbpx
Cleaner

Cleaning contractors insurance

Although cleaners are not traditionally known as tradespeople, they are part of the trades and services industry, and the team here Trade Risk is willing and able to assist with their insurance needs.

Cleaners have a lot in common with tradespeople when it comes to insurance. Many of them are running their own business or subcontracting, and therefore they have certain risks which need to be covered.

In this guide we will take a look at the insurance requirements for cleaners and how you can benefit from the various forms of cover.

Note: We generally only assist with cleaners undertaking domestic / residential work only. We find that our premiums are not competitive for cleaners undertaking commercial or industrial cleaning.

Insurance Requirements

There is one main form of insurance which is required by most cleaning contractors, and that is public liability cover.

If you undertake work for real estate agencies, property managers, shopping centres or commercial building managers you will most likely find that public liability insurance is mandatory.

The amount of cover you require will depend on the organisation you are working for. Many will be fine with a minimum of $5 million, however some may require as much as $20 million.

Another important form of insurance for cleaners is personal accident cover. This is very rarely mandatory, but is still worth considering for anyone who is self-employed.

What is Public Liability?

Public liability covers cleaners for property damage or personal injury that they cause to other people through negligence.

Ordinarily you would be liable for costs such as replacement or compensation yourself, but with public liability you can rely on the insurer to handle the claim.

It’s important to remember that this form of insurance only covers damage or injury to others. To cover damage or injury suffered by you personally you should consider covers such as equipment insurance and income protection.

Why is it Important?

As a cleaner there are various risks that you face, and one of the major risks is that someone could slip and fall in an area where you are working.

If a person was to seriously injure themselves and you were found to be responsible, you could be liable for thousands of dollars, and potentially hundreds of thousands if an incident leaves someone disabled.

Restrictions

There are some restrictions when it comes to public liability insurance for cleaners.

Virtually all of the major insurers will offer cover to cleaning contractors working in residential and light commercial locations, but if you are cleaning shopping centres and other public spaces there can be complications.

If you are cleaning these high traffic areas you will find that most of the major insurers will not offer cover. This doesn’t mean that we cannot help you, but it does mean the process may take a little longer as we have to work with the specialist insurers and underwriters to get you a quote.

Personal Accident Insurance

As is the case with most tradespeople, personal accident insurance is important for cleaning contractors but is certainly not as common as public liability.

As a contractor or subcontractor you will generally not be eligible for sick leave or workers compensation, which means you can be left out of pocket if you cannot work for a period of time.

This form of insurance can replace a large percentage of your income for a period of time whilst you cannot work due to injury or illness.

You can find more information about this cover in our dedicated personal accident insurance section of the website.

More Info

If you’re a cleaning contractor and would like quotes or more information on insurance, the team here at Trade Risk

have the knowledge and experience to help you.

For a quote on your cover please visit our online quote page, or simple get in touch with our office via phone or email if you would like to discuss your needs further.

Tradies Love Trade Risk

In 2020 Trade Risk was awarded the Platinum Trusted Service Award for the amazing service we offer to thousands of tradies from around Australia.

  • testimonial background
    "good follow up service"
    Classic Contracting Pty Ltd | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Took weeks to get back to me. My insurance lapsed and as a result I was unlicensed for 4 days."
    Mikael Erik Amberntsson | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Jennifer from Trade Risk is always happy to help and very prompt in replying to queries and concerns. Trade Risk takes the hassle out of insurance and makes sure the cover I need is the cover I get."
    Luke | Trade Insurance - Renewal | Snowy Monaro NSW
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Excellent service. Keshia was very helpful and easy to deal with. I would continue dealing with Trade Risk again"
    Jawo Wollaston | Trade Insurance - Renewal | Pioneer
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Happy with the competitive price. Was an increase from last year but that's common."
    Samford Valley Plumbing Service Pty Ltd | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "No comment"
    Reynolds Family Trust | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Would recommend them. Great service and prompt follow up to enquiries."
    Riddells Creek Roofing Pty Ltd | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "When insurance comes up in conversation I always tell about who I am with and why."
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Timely and easy to organise."
    Anthony Walford Thyer | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "It took nearly a month to have our renewal finalised. Our broker never responded to our emails or our phone calls, and there was no communication in regard to a required amendment to our renewal proposal. This resulted in a premium much higher than what we were originally paying. Considering the lack of communication and that it took a week for anyone to even action our request, and that our renewal was not finalised 2 days out from its due date, I sincerely doubt that our broker bothered or attempted to negotiate with the insurer or find us the best deal."
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Great service friendly easy renewal of my policy"
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "This was a renewal for us and they helped us not only with reminders, but they send a questionnaire about our current policy needs and came up with a policy that suited our changing business."
    Airlie Aluminium Marine Pty Ltd | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Quick and efficient Attended my query and needs immediately"
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Great customer service agent"
    C.M Friend & P.J Friend | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "We have been using Trade Risk for years. They make it easy and it is good value."
    P & J Building & Home Maintenance Services Pty Ltd | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Very easy to deal with 👍🏿"
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "They provided prompt information and quotes and I found them very easy to deal with."
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Service was good, but not the premium"
    David Mathew Zemunik | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
Loading...