Insurance for Cleaning Business Australia
Instant insurance for cleaning business. Combines professional indemnity, public liability and products liability insurance
As a cleaning business owner or contractor, you help tidy up your clients premise, sometimes their office premise, other times their homes. Whether working as a window cleaner, an office cleaner, a garbage collector or while performing janitorial services - you are often required to have insurance, and sometimes even mandatorily purchase it by your client or the agency. The unpredictable nature of accidents makes it hard to prevent and the costs of being sued can be extraordinarily high.
With insurance providing cover for cleaning businesses and contractors, you can now tidy things at your clients premise, without the fear of hurting someone or damaging their property, all at affordable prices!
.png)
.png)
Cleaning Businesses in Australia: What Insurance Do You Need?
If you are a cleaning business in Australia, it is important to make sure that you have the right insurance in place. There are many different types of cleaning businesses, and each one has its own set of risks. In this article, we will discuss the different types of insurance that are available to Australian cleaning businesses, and we will help you figure out which ones you need.
What is cleaning business insurance?
Cleaning business insurance is a type of insurance that is specifically designed for businesses that provide cleaning services. This insurance can cover a variety of risks, including public liability, property damage, and injuries to employees.
Almost all types of cleaning businesses will need some form of insurance. However, the specific type and amount of insurance will vary depending on the size and scope of the business. For example, a small residential cleaning business will have different insurance needs than a large commercial cleaning company.
Types of Cleaning Businesses in Australia
-
House Cleaners & Maid Services
-
Carpet Cleaners
-
Window Cleaners
-
Garbage & Waste Collectors
-
Janitorial & Office Cleaners etc.
Types of Insurances Available for Australian Cleaning Businesses
Public Liability Insurance for cleaners
This type of insurance protects you from claims made by third parties for bodily injury or property damage. It is important to have this type of insurance if you are in a business that involves contact with the public, such as house cleaning or janitorial services.
Products Liability Insurance for cleaners
This type of insurance protects you from claims made by third parties for injuries or damages that were caused by a product that you sold or supplied. This is important for businesses that sell products, such as carpet cleaners or window cleaners.
Workers Compensation Insurance
This type of insurance covers the medical expenses and lost wages of employees who are injured while working for your business. This is important for all businesses, but it is especially important for businesses that have employees who perform physical labour, such as garbage collectors.
Equipment Insurance
This type of insurance covers the cost of repairing or replacing equipment that is damaged or destroyed in an accident. This is important for businesses that use expensive equipment, such as carpet cleaners or other cleaning machines.
As you can see, many different types of insurance are available to Australian cleaning businesses. The type of insurance that you need will depend on the specific risks associated with your business.
How does Public and Products Liability Insurance work exactly?
If your business is held responsible for a third-party personal injury or accident due to an unintentional fault in your work, or while you're offering services, and your business is covered by insurance, the insurance will cover the financial costs of the claim as well as legal fees up to the insurance coverage limit. A public and products liability insurance policy will shield your company from potential liabilities and financial hardship.
How much does Insurance cost in Australia for a Cleaning Business?
The cost of insurance for a cleaning business will vary depending on the size and scope of your business. For example, if you have a house cleaning business then your insurance cost differs greatly from the one offered for window cleaners. However, it is important to have the right insurance in place to protect your business from risks. If you are unsure which types of insurance you need, we recommend taking an instant quote from IAMI-I Am Insured. We will be able to assess your risks and recommend the right type of cover for your business.
How do I get covered for cleaning business insurance australia?
IAMI-I Am Insured offers a range of policies specifically designed for cleaning businesses in Australia. We can tailor a policy to your specific needs and budget. To get started, simply get an instant quote online. Let's say, you want to know for a carpet cleaning business insurance cost or maybe a window cleaning insurance cost - To get started, simply choose the type of business you have or plan to have (domestic cleaner, carpet cleaner, window cleaner, etc.) and estimate your expected revenue for the next 12 months. After that, you'll be given a general idea of how much insurance would cost you.
Conclusion
Cleaning businesses in Australia need to have insurance to protect themselves from risks such as Public Liability, Property Damage, and Workers' Compensation. The type of insurance that you need will vary depending on the size and scope of your business. For a tailored solution for your Public Liability & Property Damage Insurance, we recommend taking an instant quote from IAMI-I Am Insured. We can assess your risks and recommend the right type of cover for your business. Get instant quote for cleaners insurance australia.
_edited.png)
_edited.png)
_edited.png)
_edited.png)
_edited.png)
_edited.png)
_edited.png)
What is Covered Under Public & Products Liability Insurance?
Public Liability: Public liability insurance for cleaning business protects you and your business against any liability if someone is injured on your premises or while you are providing your services in Australia.
Products Liability: Products Liability insurance protects you for claims made against your business for any products sold or supplied by you to a third party. This might be a claim arising from a faulty product that injured someone else.
Vicarious Liability: Vicarious liability insurance covers you for any conduct of your agents, contractors or employees in the performances of your services.
Care, Custody & Control: Care, custody & control pays for property damage that might occur to premises or third party parked vehicles while you occupy premises and where the loss or damage did not occur through the performance of your work
Complimentary Legal Advice: This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.
happiness is a freshly cleaned house
& an Instant quote from IAMI