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If you're a cleaning contractor working for yourself or a cleaning business, then you need to consider cleaners insurance. Public liability insurance is the bare minimum you'll need — it's usually mandatory in Australia and can cover damage or injury to others. To protect equipment, you can also get portable equipment insurance.
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Accidents happen and when you're in and out of people's homes, you're responsible for any damage you cause. For example, public liability insurance can protect you if you break a mirror, knock over a vase or ruin a rug.
Professional vacuums, carpet cleaners and and floor polishers aren't cheap. For example, portable equipment cover can pay for a replacement if someone steals equipment from your van or or if your tools break on the job.
Average cost based on historical costs using our engine. Last checked December 2021
If you are a cleaner operating as a sole trader, you are personally responsible for your business. Every aspect of your business, both legal and financial, is your responsibility and if something goes wrong, the buck stops with you. That means if monies are owed for outstanding debts or to cover fines or legal costs, personal assets such as your home and car could be in the firing line.
If you are a cleaner working for yourself, there are various types of insurance covers you might want to consider to protect your interests including;
If you still aren’t sure whether you need cleaners insurance, the following examples may illustrate why it can be very useful to have;
Example 1: A cleaner contracted by a strip mall failed to post a Wet Floor sign after mopping up a spill and an elderly female shopper slipped and broke her ankle, requiring surgery and a lengthy recovery in hospital. The woman was unable to sue the owners of the strip mall, so she lodged a claim against the cleaner for negligence and was awarded $50,000 in damages. Without cleaners insurance, the cleaner was forced to wind up his business and take out a second mortgage on his house to cover the compensation bill.’
Example 2: A sole-trader cleaner contracted by an accountancy firm accidentally spilled a cleaning agent on their boardroom table, causing permanent damage to the blackwood surface. The firm of accountants lodged a claim against the cleaner for the cost of a new table, which because of the rare nature of the timber involved, was around $115,000. Fortunately, the cleaner had Public Liability Insurance, which covered the entire cost, otherwise she would have been personally liable for replacing the table.
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