One of their cleaners had stained a customer’s carpet whilst cleaning it – something that isn’t usually covered under standard Public Liability Insurance.
Fortunately the company had taken our advice to insure themselves with a specialist Cleaning Company Insurance policy that we have access to.
This particular policy provided them with the following covers, addition to standard Public Liability Insurance:
- Damage to Property Worked Upon
- Treatment Risks
- Failure to Secure Premises
- Loss of Customer’s Keys
- Financial Loss
- Temporary Removal of Customer’s Goods
- Misuse of Customer’s Telephones
- Failure to Perform
- Employee Dishonesty
- Incorrect Destruction
- Deliberate Acts by Employees
- Professional Indemnity Insurance
- Legal Expenses Insurance
As a result, the claim was reported, assessed by the insurers and an offer was made to the customer this week.
If you’re a cleaning company, it’s worth checking if your cleaning company insurance extends to include damage to property you’re cleaning, as well as the other covers mentioned above.
If you do have these covers, check you aren’t paying too much for it too, as the specialist cleaning company insurance policies we arrange are very reasonably priced.
Evans Insurance Brokers – Independent Insurance Brokers Essex