We understand the needs of organisations connected with the cleaning industry and are able to arrange appropriate cover at realistic and competitive premiums. Whatever type of cleaning you or your client specialise in, we have the right policy for you.
We have insurers on our panel that are corporate members of the National Carpet Cleaners Association (NCCA). who over the years have adapted our scheme to encompass a package of specific insurance arrangements. Designed by dedicated teams of insurance professionals to offer you arguably the widest cover available in the UK insurance market.
We’ve listed below a checklist of questions you may want to ask yourself before proceeding to purchase Cleaning Contracting insurance:
You may need cover for:
Our panel of insurers have specialist tailor-made combined policies available for the Cleaning Contractors and associated trades.
Our Panel of Insurers provide combined policies where cover can be adapted to meet individual requirements.
Cleaning Contractors face a wide array of risks, hazardous locations and hazardous activities. We have experienced team ready to place your business no matter what type of cleaning contractors you are:
Many policies now offer the option to include further cover such as tools insurance, business equipment, personal accident insurance and legal expenses insurance.
Having the correct insurance for your business will depend on your type of business and the particular risks it faces. Should you have a family run small business such as a or large cleaning contracting firm you will need the right cover in place for your business.
The limit of indemnity is the maximum amount the insurer will pay our for a single claim, or in some cases the maximum amount they will pay out in a year. This limit is set by you based upon your requirements. Common limits under these policies are £1M, £2M £5M and £10M although other limits are available for cleaning contractors .
Choosing this limit you will need to decide how much cover you think you will require and this may depend on the type of work you undertake, but more commonly these days, the contractual requirements you work under such as requests for a certain limit from local authorities etc.. For employers liability, the statutory minimum is £5M although in practice policies are not issued with a limit of less than £10M, again higher limits are available upon request,
The policy excess is an amount of money that you are responsible for in respect of each and every claim that occurs under your policy. You will generally find a policy excess applies to property damage claims under the public liability insurance and this is commonly £250 or £500. There is no policy excess in respect of claims for personal injury under either the public or employers liability insurance policies.
The cost for liability insurance for cleaning contractors is, as with all insurance, based upon the risk information received by the underwriter. These days liability insurance tends to be less costly than in recent years, but unusual factors such as work in hazardous locations will affect the premium you pay along with the number of people engaged in the business and whether you have previously had claims made against you.
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Money Corner Shop is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover.
When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.
We have access to markets who cover over 1,000 trade types, including most types of cleaning contractors: from window cleaning insurance and commercial cleaning to machine cleaning contractors and domestic cleaning insurance. Just use the trade selector on our quote form to type in or select your trade.
We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any risk.
We work closely with you to provide bespoke insurance & risk managements to suit your business, whatever your requirements.
It’s very important to make sure you understand what you need from your business insurance. Use the check points below to get you thinking.
We have a wealth of experience and a great team of friendly professionals – Why not click “Let’s Chat!” in the bottom right hand corner of your screen to connect to our insurance broker team?
Need more details? Or wish to speak to us? Our team is waiting to hear from you today – 0330 043 0003
Want to hear more about your business cover options from our expert team. Just choose the cover you’re interested in and get some expert insight into how each option can help your business.
You can also check out our Knowledge Hub for further information about us.
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