If you have just started up a cleaning business, you have probably heard that you need company public liability insurance. However, you may be a bit unsure regarding what this entails. Don’t fret; we are going to give you a quick overview.
What is public liability insurance?
Public liability insurance is a policy offered across the UK, and it is designed to protect your business if someone – be it a member of the public or one of your clients – suffers an injury because of your company, or experiences damage to their property. This is especially important for cleaning businesses. What would happen if one of your cleaners accidentally broke something while they were cleaning at a client’s house? Or, what if a client slipped on their floor and hurt him or herself because it had not been dried properly? If you did not have public liability insurance in place, this could be truly disastrous. However, with this type of insurance, you will be protected.
Choosing the right policy for your cleaning business
Of course, each insurance policy will be different, which is why it is important to read the terms and conditions carefully before proceeding. You should also look for a company that specialises in insurance for cleaning businesses specifically, rather than a general insurance firm, offering everything from life to health insurance, as they will be able to tailor the plan to make sure it is right for you.
Your policy cover
Nevertheless, generally speaking, public liability insurance may cover you for the legal costs linked with defending a claim, compensation payouts for damage to possessions or property, and compensation payments for injury to members of the public (or even death).
Hopefully, you now have a better understanding of company public liability insurance. You simply cannot afford to overlook this or you may end up on the wrong side of the law. Also, don’t make the error of simply choosing the cheapest or first insurance plan you lay your eyes on. You need to ensure it provides the right cover for your business.