Whilst working as a cleaner you may face a variety of risks involving an injury to a third-party or damage to third-party property. If you use liquids to perform your professional service, slip and fall claims may become an overwhelming issue for your cleaning business. There are also cases where cleaning equipment and cleaning solvents cause damage to someone else’s property. If you want peace of mind and to protect your business from significant financial loss it is essential to consider obtaining Public Liability Insurance.
What does Public Liability Insurance for Commercial Cleaners cover?
If you work as a contractor, your Public Liability Insurance requirements will depend on your location where you offer your professional cleaning services. For example, different corporations and shopping centres may have specific insurance requirements that you need to meet so it is a good idea to discuss this information with your broker to ensure you are fully covered.
Public Liability Insurance can protect you as a contractor against costs acquired by damaging third-party property or when your professional actions lead to someone else’s injury. Remember that it covers third party injury and property and if you need to cover yourself in the event of an injury in a workplace take a look at Personal Accident and Injury Insurance.
How much does Public Liability for Commercial Cleaners cost?
As we mentioned earlier some workplaces require you to have Public Liability insurance before you can provide service to that company.
The cost of Public Liability insurance for your cleaning business will depend on a few factors:
- The revenue of your cleaning business
- The locations you usually operate your business
- How hazardous the locations where you work are considered?
- How many employees or contractors you have operating under your cleaning business
- How much cover you need for your cleaning business which generally starts at $5 million
As you can see your premium is determined by the potential risks you as a commercial cleaner may face and the size of your business. The higher the risks involved in your daily business activities the higher the premium. In saying that, premiums can start from a reasonable price of $30 a month if you have a low-risk cleaning business.
It is vital to get the right level of cover for your circumstances. By getting the right premium you ensure your business and assets are protected while you concentrate on your work.
Get a Quote
No matter how high risk or low risk your commercial cleaning business is at Contractor Cover we can find the right premium for your needs. If you need to determine what level of insurance your business requires feel free to give us a call on 1300 GETCOVER (1300 438 268) our brokers can assist you further. Otherwise, if you are ready to protect your business now you can use our fast and straightforward quoting system to get a quote within minutes and arrange your Public Liability Insurance for commercial cleaners now.
