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Liability insurance for cleaners

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By *at69drive OP   Man
over a year ago

Hertford

I employ a cleaner and when renewing an insurance policy enquired about adding liability cover for the cleaner . This would have added £350 to the cost of the cover and the broker advised that they had never had such a request before . Do other members have cover when employing cleaners and how much did it cost ?. I have liability cover buy do not believe it covers casual workers but will read the small print when I receive the policy .

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By (user no longer on site)
over a year ago

I've recently started my own detailing business on the side.

I have liability insurance which covers my customers but my accidental damage insurance is separate.

Is that what you mean?

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By (user no longer on site)
over a year ago


"I employ a cleaner and when renewing an insurance policy enquired about adding liability cover for the cleaner . This would have added £350 to the cost of the cover and the broker advised that they had never had such a request before . Do other members have cover when employing cleaners and how much did it cost ?. I have liability cover buy do not believe it covers casual workers but will read the small print when I receive the policy ."

Surely if you wanted your cleaner covered then (s)he should supply it themselves. Unless your sending them into other peoples houses in which yes you should supply the cover. What training has the cleaner had because that may impact on the premium.

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By *at69drive OP   Man
over a year ago

Hertford


"I've recently started my own detailing business on the side.

I have liability insurance which covers my customers but my accidental damage insurance is separate.

Is that what you mean?"
. No , I meant cover in case they for example they tripped over and tried to sue me .

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

Doesn't your contents cover cover liability already? Or is that void if it is someone employed by you?

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By (user no longer on site)
over a year ago


"I've recently started my own detailing business on the side.

I have liability insurance which covers my customers but my accidental damage insurance is separate.

Is that what you mean?. No , I meant cover in case they for example they tripped over and tried to sue me . "

That's what my liability covers me for, although that's in case a customer trips over a hose or something.

Surely if the cleaner is your employee they're covered under your existing insurance.

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By *at69drive OP   Man
over a year ago

Hertford


"I employ a cleaner and when renewing an insurance policy enquired about adding liability cover for the cleaner . This would have added £350 to the cost of the cover and the broker advised that they had never had such a request before . Do other members have cover when employing cleaners and how much did it cost ?. I have liability cover buy do not believe it covers casual workers but will read the small print when I receive the policy .

Surely if you wanted your cleaner covered then (s)he should supply it themselves. Unless your sending them into other peoples houses in which yes you should supply the cover. What training has the cleaner had because that may impact on the premium."
. I suspect no training . She does other things as well such as showing perspective tenants around . I just wanted cover in case for example she tripped over and tried to sue me .

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By (user no longer on site)
over a year ago

So you employ her to clean your properties ?

If you're an employer you'll need PLI.... But then you'll be paying Tax and NI for her ?

If you're contracting her services and she's self employed/ from an agency, then she should have her own PLI

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By (user no longer on site)
over a year ago

As the previous post said if that was the case she would be covered by that contractors insurance. But your own insurance would cover you for legal if she did try. Maybe you should find out if she can do a BICs course in basic cleaning with health and safety to cover yourself incase.

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By (user no longer on site)
over a year ago

Also if showing possible tenants around then you may need public liability insurance in case they have and accident and try sue you

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By (user no longer on site)
over a year ago

I injured my finger typing this reply. I'm suing your ass Pat

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By *at69drive OP   Man
over a year ago

Hertford


"Also if showing possible tenants around then you may need public liability insurance in case they have and accident and try sue you "
. The policies which I have all cover public liability insurance so that is covered, but I might need to check the small print . I was more concerned if the cleaner is covered as she is undertaking a paid service . Today's Sunday Times has a full page article on insurance and the impact of cleaners and carers . It only discusses the theft aspect which does not really bother me .

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By *at69drive OP   Man
over a year ago

Hertford


"I injured my finger typing this reply. I'm suing your ass Pat "
. I will inform the under writers . Hope your finger makes a full recovery.

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By (user no longer on site)
over a year ago


"I employ a cleaner and when renewing an insurance policy enquired about adding liability cover for the cleaner . This would have added £350 to the cost of the cover and the broker advised that they had never had such a request before . Do other members have cover when employing cleaners and how much did it cost ?. I have liability cover buy do not believe it covers casual workers but will read the small print when I receive the policy ."

Funnily enough I'm just reading an article about this on the front page of the money section in today's Times. Also seems to affect care workers

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