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Contract Cleaner
Insurance
In recent years, many firms have opted to outsource their cleaning to third
party firms and contract cleaners now provide a valuable and important
service. However, like any other business carrying out work at other
peoples premises and using a team of employees, it is important to make
sure that you have the correct form of insurance in place to protect the
business
What ever form of cleaning undertaken, there will be a need for liability
insurance. This will include both public liability insurance & employers
liability Insurance.( although only employers liability insurance is a
requirement of law, it is usual that both types of policy are written
together) Insurance companies calculate the premiums based on a number of
factors. Firstly, it is taken in to consideration, the type of work being
carried out, in essence the more dangerous the type of cleaning, the more
premium will be required. Also the turnover of the business will be taken
in to consideration, it is usual that the larger the turnover, the larger
the premium. For smaller companies employing only say a handful of staff,
it may be possible to obtain quotations on a per capita basis. Previous
claims experience is also a consideration as this too, can affect the
premium requested.
Whilst liability insurance is the main consideration for this type of
business, some will have requirements in other areas, such as cover for
tools and equipment
Contract cleaners operate in a number of key areas, some will focus on the
domestic markets, offering a service to homeowners, this type of cleaning
is usually internal but often an additional service involving pressure
washing to drives, patios and external surfaces such as paths and walls can
also be accommodated. Many blocks of flats are also now opting to employ
contract cleaners to clean the common parts of the building. Probably the
biggest sector of the market relates to the cleaning of shops & offices,
these premises have to be cleaned on a daily basis and large numbers of
people are employed in this field. Other contract cleaners are involved in
the fields of industrial cleaning, window cleaning and in some cases, high
pressure cleaning on plant & machinery and even vehicles.
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Employers Liability £10,000,000 Public & Products liability up to £5,000,000
