If you are a self-employed Australian cleaner you have likely already heard of public liability insurance in one form or the other. However, the question may remain in your mind as to exactly what public liability insurance is and means for domestic and commercial cleaners in Australia. We are here to those questions.
What does public liability insurance for domestic and commercial cleaners cover?
Public liability insurance, in general, covers claims for third party injury and property damage caused by your business activities.
This means employees and property owned by you is in not covered under this form of insurance.
Let us look at a few examples of what may be covered under public liability insurance for domestic or commercial cleaner.
Imagine you have just completed cleaning commercial offices. However, due to a slight oversight, there is water still on the stairs, and someone slips and falls, hurting themselves and destroying their laptop. Public liability, may cover damages for the injury as well as the loss of property.
Another example is if during your business activities you damage the tiled floor of the property you are working in. The claim that the owner files against may come under public liability.
How much does public liability insurance for commercial cleaner cost?
Many self-employed cleaners opt for $10 million liability cover. Some of the factors that influence the cost and level of cover required for your business is the number of employees and subcontractors you employees , what and when you clean, the locality in which you run your business, and claims history of your business.
Where to get public liability insurance for commercial cleaners?
No matter if you are a self-employed domestic cleaner or a commercial cleaner with 8-10 employees, it is important to have important public liability cover.
However, be careful when comparing public liability insurance. This is because the cover varies based on insurers. A “one-size-fits-all” approach doesn’t work as your business size and risks can be different from your peers.
Therefore, it is important to compare insurance quotes sourced from a few insurers. Alternatively, a business insurance broker that works regularly with cleaners can help compare prices and coverage levels, to ensure that your policy covers all your business’ requirements.
Considering all the above information, it would be most prudent as a commercial cleaner for you to get advice from a good insurance broker, who is experienced with placing cover for cleaners. They can help you compare quotes and cover.
Disclaimer:
*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations. Talk to a business insurance broker for more information.
Author Bio:
Romit Malhotra is the brand representative of Smart Business Insurance, a leading Australian insurance broker. A big foodie, he loves to travel the world. Also, a diligent businessman, Romit likes to pen down his thoughts on related topics whenever he finds some free time.