The resounding answer to the question, ‘Should professional cleaners have insurance?’, is ‘Yes!’

At Crystal Clean Service, we attend many businesses when providing quotes for our cleaning services and we are always taken aback at the number of companies who do not ask to see our insurance documents to prove that we have appropriate cover for service we are being asked to provide.

When engaging a commercial cleaning company for your business, you should always check whether they are covered by a specialist cleaning policy.

This is especially important if cleaners are required to work outside normal business hours and/or they have keys to the premises.

Ideally, any insurance should cover their employees and their work.

There are elements of risk associated with every business and you never know what could happen, so it’s better to be safe than sorry.

Have you ever asked your professional cleaning company for a copy of their insurance policies to make sure they have the correct cover in place?

Have you thought about the consequences to your business if they have inadequate cover or none at all?

In this article, we are going to take a look at the types of insurance required by professional cleaning companies to give you the peace of mind that if something should occur, your business will not suffer financially as a consequence.

This is especially important if cleaners are required to work outside normal business hours and/or they have keys to the premises.

Ideally, any insurance should cover their employees and their work.

For example, at Crystal Clean Service, our insurance covers:

  • Public liability
  • Employer’s liability
  • Accidental damage
  • Negligence
  • Key holders’ insurance
  • Lock damage/replacement
  • Failure to secure the building
  • Telephone misuse (using clients’ phones without permission or inappropriately)

There are elements of risk associated with every business and you never know what could happen, so it’s better to be safe than sorry.

Have you ever asked your professional cleaning company for a copy of their insurance policies to make sure they have the correct cover in place?

Have you thought about the consequences to your business if they have inadequate cover or none at all?

In this article, we are going to take a look at the types of insurance required by professional cleaning companies to give you the peace of mind that if something should occur, your business will not suffer financially as a consequence.

You may be thinking, what could go wrong? After all, the cleaners are only cleaning, hardly a high risk exercise.

However, if you have read our articles about cleaning equipment and cleaning products, you will already know that there are a number of risks associated with the safe handling of cleaning products and equipment that could pose a serious threat to the health and safety of your employees, as well as the cleaners themselves.

Here are some of the more common risks associated with cleaning:

Spills and stains
Should a cleaner accidentally knock over cleaning fluid, it may affect the health of your employees as well as damage fixtures and fittings.
You should know whether you will be compensated for any loss sustained by your business.

Slips and trips
If one of your employees or a member of the public slips and falls over on a wet floor or trips over cleaning equipment, you may want to claim against the commercial cleaning company for a lack of care and attention.

Employee injuries
Not only are these inconvenient and costly to your business, but you may also be liable for injuries sustained while on your premises, even though the cause of the injury is not down to you.

Lost, damaged or stolen equipment
If your business equipment is damaged or stolen, there could be financial and reputational consequences, so you need to make sure that you will not be adversely affected by careless or even criminal actions.

If you have never thought about it before, hopefully outlining the risks to your company will make you stop and think about the ‘what ifs.’ Make a note to ask your commercial cleaners about their insurance cover, to check that if the above happens, your business will not suffer.

Types of insurance cover

Professional cleaners should have different types of insurance cover in place in order to protect their own business, employees, clients, and the public.

Although the specifics may vary depending on the nature of the cleaning work undertaken, here are the common policy types:

Public Liability Insurance
If property is damaged or someone is injured as a result of a cleaning process or a cleaner’s actions whilst doing their job, public liability insurance covers the associated costs.

Employer’s Liability Insurance
This is a UK legal requirement for cleaning companies with employees.
It provides cover should an employee be injured or become ill as a consequence of their job.

Property Insurance
This provides cover for cleaning equipment and supplies owned by the commercial cleaning company, should they be lost, damaged, or stolen. In addition, it covers the contents of the premises being cleaned for accidental damage.

Business Interruption Insurance
This type of insurance coverage can compensate for lost income if the cleaning company is unable to operate because of some the events we have talked about e.g., property damage, or in the case of unforeseen circumstances.

Professional Indemnity Insurance
While not compulsory in the UK, this type of insurance can be useful when clients allege financial loss because of work undertaken by the cleaning company.

  • Professional Indemnity Insurance typically covers:
  • Professional negligence
  • Legal defence costs incurred while defending a claim
  • Financial loss to clients
  • There may also be other cover included for more specific risks, depending on the type of cleaning service provided

It can, therefore, provide valuable added protection in certain circumstances, and some clients may require this insurance cover as part of the cleaning contract, for example, when cleaners handle sensitive equipment, information, or valuables.

It is important to assess whether your current cleaning company has adequate cover for your business, so that you will not suffer any financial loss should the unthinkable occur.

We hope that this article has answered the question ‘Should professional cleaners have insurance?’ and that you follow our advice by checking the level of insurance carried by your current commercial cleaning company. If you are not reassured that they have adequate insurance, why not give us a call on 0114 4010 550 to talk about your concerns and cleaning requirements? Alternatively, contact Crystal Clean Service to learn more about our insured and bonded professional cleaning service.