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Public liability insurance for a cleaning business may cover costs to a third party incurred because of your cleaning business causing property damage or personal injury.
A public liability insurance policy may also cover property damage and personal injury caused by your employees, but it may not cover property damage or personal injury that they themselves suffer – this is covered by worker’s compensation and income protection insurance.
Most standard public liability insurance policies will cover cleaners working for residential clients or in light commercial environments. However, if you are cleaning public spaces (such as shopping centres, for example) there may be additional costs or conditions associated with your public liability insurance.
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What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.
And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.
Insurance Broker Code of Practice: We subscribe to and are bound by the Insurance Brokers Code of Practice a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au/insurance-brokers-code-of-practice
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
*Important: Insurance protection may be available only subject to meeting insurers underwriting criteria. Some of the insurance protections listed may not be available or may have limitations or exclusions. Insurance protection cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Please check your policy schedule carefully for inclusions , exclusions and limitations. Talk to a business insurance broker on 1300 670 250 for more information.
General Advice Warning:
The information in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.
Contact an authorised insurance broker , accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between the author and the reader.
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