Common claims made against domestic cleaners include theft by employees, damage to property worked upon, treatment risks and failure to secure a customer’s premises.
Polished Insurance can provide cover against all of these potential risks to your domestic cleaning business.
We understand your industry and our experienced team will ensure that your insurance policy meets your needs.
Theft By Employee Claim Example
Mrs. Roberts reported that a domestic cleaner that she employed had allegedly stolen items from one of her client’s homes. The police arrested and subsequently charged this employee and she has since been convicted. Some of the stolen items were recovered but a claim was made against Mrs. Roberts for the remaining financial loss.
Polished Insurance responded to this claim as ‘theft by employees’ is automatically covered in the standard Polished Insurance policy for domestic cleaning businesses and it provides cover for the loss of money or property due to employee dishonesty. An amount of £3861 was settled to the claimant.
Frequently Asked Questions
Yes. Unlike many standard public liability policies, which will exclude damage caused by bleach, our policy has no such exclusion, so you are fully protected.
Yes. Our policy automatically provides for the loss of keys and will cover the costs to replace the locks and any additional expenses
If you select domestic cleaning as your trade, we automatically include cover for domestic oven cleaning and ironing. If you list any additional business activities within the online quote service or discuss them with a member of the Polished Insurance team, we can ensure that your Polished Insurance policy covers you for every aspect of your work.
The standard third-party property damage excess on your Polished Insurance policy is £250. However, you can choose to pay a surplus on your premium to reduce your excess to as low as £100. Speak to the Polished Insurance team to find an insurance policy that works for you.