Why choose Howden for Cleaning Insurance?
Here at Howden, we know how difficult and stressful it can be for tradesmen to find the insurance policies they need, and that’s why we do our best to do the heavy lifting instead, so you don’t have to. Thanks to the great relationships we have with our selected panel of both standard and specialist insurers, we’re able to make the process of sourcing various cleaning business insurance options, on your behalf, simple and straightforward. What’s not to like?
Our team of experts acknowledge that each cleaners’ insurance policy needs to be unique and tailored to each owner and their business. That’s why we provide a personalised service, which focuses on getting to know you and your business better, whilst also learning more about what you want from your cleaners’ insurance cover.
So, what are you waiting for? Just know that whether you need to make a claim, purchase a new policy, or renew an existing one, we’re always here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
Insurance for cleaning businesses
Cleaning contractors hold an immense amount of responsibility, to not only respectfully look after a client and their property, but to also look after themselves. Cleaning insurance allows a wide range of different cleaners take control of this responsibility thanks to the financial stability and all-round protection it provides, which furthermore reassures their clients and employees.
Commercial cleaners, domestic cleaners, carpet cleaners, you name it, Howden can help professionals in the trade find cleaning insurance policies that tick all the boxes.
Do cleaners need insurance?
Yes, cleaners do need insurance! Whilst technically the only mandatory business insurance policy is employers’ liability cover (if the company has employees), it’s still highly recommended that cleaners are set up with insurance policies to support their business and their cleaning services.
After all, having the right cleaning insurance policy backing your business could be the difference between financial stability or future uncertainty.
What types of cleaning businesses do we cover?
There’s no such thing as a one size fits all cleaning insurance policy, and that’s because there’s many cleaning businesses that need insurance, all of which are unique in their own, individual way.
Here’s the types of cleaning companies we can provide cover for:
Working at height comes with obvious risks, making insurance essential for window cleaning companies.
Accidents can happen, sometimes most unfortunately on client business premises. Insurance can protect your office cleaning business from claims that arise unexpectedly.
We can help a domestic cleaner find the cover you need so they can do their work without fear of property damage to a client’s home.
Carpet and curtain cleaners
Specialist cleaners working with delicate materials need insurance support in the event that mistakes or accidents occur.
What does Cleaners’ Insurance cover?
Business insurance for cleaners can cover a wide range of scenarios, ranging from unlikely to extremely common.
Imagine, for example, you were cleaning in a customer’s home, and you accidentally knock over and break a valuable household item. Or, what if you were working around an office and a client employee slips on a wet floor, causing an injury? Maybe an employee falls from a high-up window and hurts themselves?
For each of these cases, cleaners’ insurance has you covered. A comprehensive insurance package for cleaners can protect your business in the event of accidental injuries, property damage, negligence, stolen or lost equipment, employee claims and costs associated with legal action.
Public Liability Insurance for cleaners - how does it work?
Every comprehensive cleaning insurance policy will include public liability cover. This business insurance is a given in the trade industry, and it can benefit cleaners with protection against third-party claims, made by either a member of the public or a client.
If a claim is made against your cleaning company, typically, the insurance provider will handle the legal proceedings and cover the legal costs that come with that, as well as also cover the cost of compensation payments made to the third party if you are found to be liable for the injury or damage.
As cleaning business insurance goes, although it isn’t mandatory like employers’ liability cover, public liability insurance goes down as arguably the most important policy for covering a commercial cleaning company.
What insurance is needed for a cleaning business?
If we had to recommend an absolute must-have insurance for cleaners, it would be public liability insurance. The protection public liability cover provides against third-party claims makes it hugely beneficial policy and well worth including in your cleaning insurance cover.
However, Howden also offers a wide range of other business insurance products that cleaning businesses could benefit from. Take a look at our other insurance options below:
Public liability cover is the perfect insurance for protecting your business against third-party claims.
Does your cleaning business have employees? If so, you’re legally required to have employers’ liability insurance.
Vans and cleaning businesses are a match made in heaven, and you need the right insurance to avoid any bumps in the road.
Legal expenses cover does what it says on the tin – it covers the legal fees you spend on when depending your business legally against claims.
Accidental injuries can happen to anyone at any time, so having the right personal accident cover in place is essential.
You can’t run your business without your tools, so if they’re damaged, stolen or lost, make sure you have the right tools insurance in place.
Business equipment insurance
Whether it’s the property around your business premises or the cleaning chemicals you take to jobs, we can help you find insurance to protect your business equipment.
Still not sure what insurance you’re looking for? No problem. Get in touch with us today and we can discuss your insurance requirements and help you find the perfect policy for your cleaning business.
How much does Cleaners’ Insurance cost?
A cleaners’ insurance policy premium can vary, because whilst every new potential policyholder is different and unique, so is every insurance provider. Because each policy that’s provided is different, and every new recipient of insurance will have their own insurance requirements, there can’t be a set-in-stone premium price that’s a guarantee for all cleaners.
However, what we can tell you is some of the factors that impact how insurance providers calculate their cleaners’ insurance policy premiums, such as:
- The risks your cleaning business will face
- Where you’re based
- How many employees your business employs
- Your business turnover
- Whether you opt to pay upfront in a lump sum or in monthly instalments
Despite all these factors, we like to remind our clients that although we are always striving to find policies for the best prices, the right insurance isn't always the cheapest. We also offer you the option to pay for your cleaning insurance costs via direct debit, if that’s your preference.
How to get insurance for my cleaning business
In order to get a cleaning insurance quote, we need you to provide us with the following information:
- Your personal details – your name, age, where you live
- Information about your business – where it’s located, it’s size, the number of employees
- The level and types of cover you’re after
Once we have this information from you we can start right away with sourcing various different insurance policies to suit your budgetary and insurance requirements.
You can contact us by either giving us a call on 01527 879 777, scrolling to the top of this page and clicking Get a quote, or by visiting us in your local Howden branch.
Who do we also insure?
Not only can we help cleaners, but we can also offer cover for a wide range of other professionals, such as:
- Car Valets
- Contractors All-Risk
- Gardeners & Landscapers
- Gas Engineers
- Limited Companies
- Market Traders
- Painters and Decorators
- Sole Traders
- Tree Surgeons
- Window Cleaners
Want to learn more about insurance for cleaners? Have a read of the articles below that you can find on the Howden Blog!
- Do window cleaners need insurance?
- How to start a cleaning business: 7 steps to take
- All you need to know about public and product liability insurance
Cleaners’ Insurance FAQs
Professional indemnity insurance is primarily designed to protect businesses that provide professional advice to their clients. Now, because cleaners do not traditionally provide advice as part of their service in the same way other tradesmen do, professional indemnity insurance isn’t always necessary for cleaning businesses.
However, if you offer professional advice to a trusted customer, which they act upon before losing out financially as a result, you could have a claim made against you which professional indemnity cover could help with.
The insurances that self-employed cleaners need to look out for are the liability products. Almost all self-employed cleaner insurance policies that we source include both public liability insurance and employers’ liability insurance. Having employers’ liability insurance is a legal requirement if you employ anyone, and public liability cover is the perfect policy to help you fund compensation costs following third-party claims, stemming from an accidental injury or accidental damage.
Otherwise, self-employed cleaners can also buy additional cover, whether that be legal expenses insurance to cover the legal costs they accrue, tools insurance to replace or repair stolen, damaged or lost cleaning equipment, or even professional indemnity insurance to cover themselves if professional advice is part of their cleaning work.
The way bonding insurance works is that it ensures compensation for a client if a specified obligation is not met. To put that into context for your cleaning business, bonding insurance acts as a guarantee that your business will meet its commitments, such as completing jobs or responsibility managing customer belongings.
For instance, if a client claims that your business failed to fulfil a contract, or if damage or loss occurs to their property, a bonding insurance policy can serve as a source of funds to cover damages or restitution.
For any cleaning businesses that employ cleaners, they are legally required to have employers’ liability insurance, to protect themselves and the people that work for them. There are also various employee benefit life and health insurance policies businesses can take out to support their staff, as well as personal accident cover to protect employees if they have an accident or are unable to work.
If you’re just looking to hire a cleaner to clean your home though however, then no, you shouldn’t need to worry about having insurance in place.
Get in touch
Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.