Compare business insurance quotes with Savvy to find the best policy for your cleaning business.
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Life can get messy sometimes, which cleaners know all too well. Whether you clean commercial buildings, homes, windows or clothes, it’s very easy for accidents to happen, which is why insurance for all types of cleaners is vitally important.
You can compare business insurance quotes for cleaners right here with Savvy. Just answer a few simple questions about your business and the type of insurance you need and you’ll have a range of offers from some of Australia’s top insurers to consider side by side. Compare with us to help you get the best-value insurance for your cleaning business today
No matter what sort of cleaning you do, there are several different types of insurance you should consider to cover your business risks. They are:
Public liability insurance
Public liability insurance is essential for anyone in the cleaning business, whether that’s cleaning houses or offices, window cleaning or dry cleaning clothes. Public liability will cover you against claims that your cleaning activity caused injury to a member of the public or damaged their property. It’s easy for a customer to accidentally trip over a power cord, which could lead to a claim for personal injury.
In addition, despite being very careful, house and office cleaning can frequently lead to unintentional and accidental breakage of fragile items (or damage to expensive clothes if you’re a dry cleaner). This insurance can offer between $5 million and $20 million worth of coverage and is compulsory for cleaners in many situations, particularly if you wish to tender for government cleaning contracts for offices, schools and universities.
What it covers:
Business equipment insurance
General property or portable business equipment insurance will cover your cleaning tools and equipment if they’re damaged or stolen. This can include vacuum cleaners, hand tools or ladders and lifters if you clean at heights.
What it covers:
Personal accident and illness insurance
Since you rely on your physical fitness to be able to clean effectively, taking care of your health should be a high priority for all people who earn their living by cleaning. Accident and sickness insurance can provide cover for you if you become sick and are unable to work, with a weekly replacement income available if you’re unable to work as a result of an accident or injury.
What it covers:
Optional extras can include:
What generally isn’t covered under business insurance for cleaners?
The most common general exclusions include:
There is no set cost for an insurance policy, as each applicant is different and faces unique risks. There are many factors that can influence the cost of business insurance, including the following factors:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.
You can find out how much insurance will cost for your cleaning business by comparing quotes right here with Savvy. Whether you need insurance for window cleaning, dry cleaning or cleaning homes and offices, you’ll be able to find a policy that is perfect for your business needs right here.
Cleaning can be a dangerous business, particularly if you’re a window cleaner and work on ladders and at heights. It makes sense to want protection just in case something does go wrong and you suffer a fall or injury. General business insurance will protect your cleaning equipment and accident and illness insurance will protect your income just in case you do get hurt. It’s there to ensure your income continues just in case you do suffer an accident or get sick. In addition, public liability insurance will protect your business from third-party property or injury claims.
Most small to medium-sized businesses have some contingency funds, but these are rarely sufficient to cover the cost of a major catastrophe. For example, if your business in Sydney involves cleaning offices and someone is injured by slipping on a wet floor, you could potentially face an expensive personal injury claim. However, if this does happen and you have adequate public liability insurance in NSW to protect your business, you’ll have a much better chance of recovering quickly.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
