Cleaners' Insurance

Cleaners Insurance can protect you from a range of everyday risks, but what’s included depends on the cover options you choose.

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Most cleaners start with Public Liability Insurance, which can cover legal costs and compensation if someone claims you’ve caused injury or damaged property while working. For example, if a client slips on a wet floor or you accidentally damage a customer’s furniture.

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From there, you can tailor your policy to suit how and where you work. For example:

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• ‍Tools and Materials Insurance: Covers the cost of replacing stolen or damaged cleaning equipment.‍
• Employers’ Liability Insurance: A legal requirement if you employ anyone. It covers claims from staff who are injured or become ill because of the work they do for you.‍
• Contract Works Cover: If you’re working on larger or ongoing cleaning contracts, this helps protect your work in progress and materials if something unexpected happens before the job is completed.‍
• Legal Expenses Insurance: Helps with the cost of legal advice and representation, including support for employment disputes, contract issues or tax enquiries.

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You can build your cover around how you work, whether that is in homes, offices, commercial buildings or specialist environments.

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If you are not sure what you need, our team can help. Call us on 020 3808 7099 and we will talk you through it.

We understand you might have questions about what Cleaners Insurance covers. While we strive to be there for you, there may be some situations where a claim wouldn't be covered under your specific policy.

To get the most accurate details, we recommend reviewing our Policy Summary. This document outlines everything your insurance covers and some common exclusions.

Here are a few examples of situations where claims are typically not accepted:

• Damage to your own property: Public Liability Insurance is there to cover claims made by third parties. If your own equipment is damaged during a job, that would not be covered unless you add Tools and Materials Insurance to your policy.

• Asbestos-related claims: Due to the specific risks involved, these claims are usually excluded.

• Intentional acts: If you intentionally cause damage, it wouldn't be covered.

• Working outside the scope of your cover: If the work you are doing falls outside what is declared in your policy, such as cleaning at height or working in specialist environments, a claim may not be valid.

Remember, this is not an exhaustive list. If you have any questions about a specific situation, don't hesitate to contact us! We're here to help you understand your coverage and ensure you have the right protection for your business. Reach us at 020 3808 7099.

Business changing? We can adjust your cover with ease!

Our Cleaners Insurance is flexible. You can increase your coverage as your business grows without incurring any fees; you’ll only pay the additional premium for the higher coverage.

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Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

Have questions about your policy? We're here to help!

Our friendly support team is always happy to answer any questions you might have about our Cleaners Insurance. Feel free to reach out to us in whichever way is most convenient for you:

• Call us: Our phone lines are open at 020 3808 7099 (9:00-18:00, Mon-Fri).

• Email us: Send your questions to our team at contact@admiralbusiness.com and we'll get back to you as soon as possible.

If something goes wrong like an accident on-site, a damaged client property, or stolen kit, you can start a claim by filling out the form at admiralbusiness.com/make-a-claim or emailing us at claims@admiralbusiness.com.

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Send over any supporting documents (photos, receipts, police report if it’s theft), and ideally let us know within 14 days. The sooner we know, the sooner we can help.