Terms & Conditions

Website Terms
These are the terms and conditions (“Website Terms”) which apply to your use of this website (“Website”). Please read them carefully and if you have any questions or issues, please get in touch.

By proceeding with access to this Website you are deemed to have accepted both these Website Terms and our Privacy Policy.

Please note that this Website is intended for use by residents of the United Kingdom whilst in the United Kingdom only. For the avoidance of doubt, none of the information this Website constitutes an offer to contract in any country in which it is available, including the UK.

These Website Terms are in addition to any terms of business which you may have as a direct customer (“Direct Terms”) and in the event of any conflict between these Website Terms and any Direct Terms, the terms and conditions of the Direct Terms shall prevail.

Any products or services acquired will be subject to their own terms and conditions with the relevant provider which you must also read.

General
This Website is provided by Allied Insurance Services Ltd.

This Website may also contain hypertext links to, or information from, websites operated by third parties (meaning person or companies other than Allied Insurance Services Ltd. Where the Website includes any such information and/or links these are for information purposes only and Allied Insurance Services Ltd makes no representation whatsoever about any such link, website or content. Separate terms and conditions may also apply to such websites. Allied Insurance Services Ltd accepts no responsibility for the content of or your use of any website which is accessed via a hypertext link from this Website.

Availability and access
Allied Insurance Services Ltd does not warrant that this Website is free of viruses, worms, Trojan Horses or technical problems arising from your use of this Website. Allied Insurance Services Ltd will endeavour to ensure that this Website is accessible for 24 hours a day but will not be liable if, for any reason, the Website is unavailable for any time or for any period.

Allied Insurance Services Ltd will have the right to suspend access to the Website (or any part of it) temporarily or permanently and without notice.

At any time, access to and use of certain parts of this Website may be restricted to registered users, to which further terms governing access may apply. When applicable, such terms shall be drawn to your attention during the registration process. Allied Insurance Services Ltd may, at its sole discretion, refuse to register a user or to provide access to certain parts of the Website to certain users, without providing reasons for doing so.

Information only website
The information contained on this Website is provided for information purposes only and cannot be regarded as constituting advice or recommendations (professional or otherwise). Allied Insurance Services Ltd will use reasonable care and skill to ensure that information contained on this Website is accurate at the date of publication. However, because of the nature of the internet, information on the Website may not always be accurate or complete.

Amendments
Allied Insurance Services Ltd reserves the right to make amendments and changes to the information on the Website and any references to details of products or services, including pricing, are subject to change without notice.

Variation
Allied Insurance Services Ltd reserves the right to make amendments and changes to these terms and conditions without notice to you from time to time to reflect changes in market conditions affecting Allied Insurance Services Ltd business, changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements, and any other changes.

Any such amendment shall be effective once the revised terms and conditions have been posted on the Website. You shall be responsible for reviewing the terms and conditions of the Website each time you use the Website and we will treat your use of the Website as signifying your acceptance of the terms and conditions applicable at the time you access the Website.

Security
Allied Insurance Services Ltd reserves the right to make amendments and changes to these terms and conditions without notice to you from time to time to reflect changes in market conditions affecting Allied Insurance Services Ltd business, changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements, and any other changes. Any such amendment shall be effective once the revised terms and conditions have been posted on the Website. You shall be responsible for reviewing the terms and conditions of the Website each time you use the Website and we will treat your use of the Website as signifying your acceptance of the terms and conditions applicable at the time you access the Website.

Liability
All warranties, conditions, representations and terms, whether express or implied by statute, common law or otherwise, with respect to this Website and its content, including but not limited to implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these Website Terms to the extent that they may be excluded as a matter of law. Further, Allied Insurance Services Ltd does not warrant that the Website will be uninterrupted or error free or that any defects will be corrected.

To the fullest extent permitted by law Allied Insurance Services Ltd shall not be liable (whether in contract or tort, including negligence or breach of duty, or otherwise) for any damage, loss or liability sustained or arising out of or in connection with:

Your use of the Website
Your reliance on or your inability to use the information contained on this Website; or any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, worm, Trojan Horse, or system failure, unavailability or suspension to this Website, including, without limitation, loss of profits, loss of income, loss of anticipated savings, loss of revenues, loss of data, loss of goodwill or loss of contracts or business (in each case whether direct or indirect) nor for any indirect, economic, consequential or special loss resulting from whatever cause.

To the extent permitted by applicable law, Allied Insurance Services Ltd expressly disclaims all liability howsoever arising whether in contract, tort (or deceit) or otherwise (including, but not limited to, liability for any negligent act or omissions) to any person in respect of any claims or losses of any nature, arising directly or indirectly from: (i) Anything done or the consequences of anything done or omitted to be done wholly or partly in reliance upon the whole or any part of the information of this Website; and (ii) The use of any data or materials on this Website or unauthorised access to this Website or otherwise.

Allied Insurance Services Ltd will not be responsible for any breach of these Website Terms caused by circumstances beyond its reasonable control.

Nothing in these terms and conditions shall exclude Allied Insurance Services Ltd liability for death or personal injury resulting from Allied Insurance Services Ltd negligence. You shall be liable for and shall indemnify Allied Insurance Services Ltd and/or, where applicable, Allied Insurance Services Ltd subsidiaries, officers, directors, agents, licensors, successors and assigns from against any and all claims, actions, liabilities, losses, damages and expenses (including legal expenses) of any kind which arise out of or in connection with, directly or indirectly, your breach of these Website Terms.

Copyright and other intellectual property rights
Allied Insurance Services Ltd (or its subsidiaries or licensors) own the copyright and all intellectual property rights existing on or within this Website (including but not limited to all database rights, trade marks, registered and unregistered trade marks, service marks and logos). Nothing in the Website shall confer on any person any licence or right with respect to any such intellectual property. Allied Insurance Services Ltd name may not be used in anyway, including in advertising or publicity pertaining to distribution of Information without our prior written consent.

The images, logos and names on the Website which identify Allied Insurance Services Ltd or a provider of products or services from time to time are the proprietary marks of Allied Insurance Services Ltd or the provider concerned. Nothing in the Website shall confer on any person any licence or right with respect to any such image, logo or name.

You are not permitted to download, print, redistribute or extract any information from this Website other than for your personal, non-commercial use.

You are not permitted to reproduce, copy, redistribute, modify or in any way change any of the information available on this Website.

You agree to indemnify and keep indemnified, Allied Insurance Services Ltd, its officers, directors, agents, licensors, successors and assigns against all liabilities, claims, losses, costs, damage and expenses including legal fees incurred by Allied Insurance Services Ltd should you breach any of the terms in this section (Copyright and other Intellectual Property Rights).

Data protection and privacy
Any personal information you supply to Allied Insurance Services Ltd via this Website will be treated in accordance with the Data Protection Act 1998.

Additional information regarding the privacy of personal data, and the use of cookies, is available in Allied Insurance Services Ltd Privacy Policy. You acknowledge and agree to be bound by the terms of Allied Insurance Services Ltd Privacy Policy.

Communications
Applicable laws may require that certain information or communications be in writing. When using the Website, you accept and agree that communication with Allied Insurance Services Ltd may be electronic. Allied Insurance Services Ltd may contact you by email or provide you with information by posting notices on this Website. For any contractual purposes, you agree to electronic means of communication and you acknowledge that all contracts, notices, information and other communications that Allied Insurance Services Ltd provides to you electronically comply with any legal requirements that such communication be in writing. This provision does not affect your statutory rights.

Severability
If any of these terms and conditions are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, in relation to such state or country only, such terms or conditions shall be deleted and severed from these terms and conditions and the remaining terms and conditions shall survive in full force and effect.

Waiver
If Allied Insurance Services Ltd fails at any time to insist upon strict performance of any of your obligations under these Website Terms, or if Allied Insurance Services Ltd fails to exercise any of its rights or remedies to which Allied Insurance Services Ltd is entitled under these Website Terms, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.

Entire agreement
These Website Terms set out the whole of Allied Insurance Services Ltd’s agreement relating to your use of this Website. Nothing said by any sales person on Allied Insurance Services Ltd’s behalf should be understood as a variation of these Website Terms.

Applicable law
Allied Insurance Services Ltd has established this Website in England. English Law shall govern its use at all times and in the event of a dispute the parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.

Contacting Us
Questions, comments and requests are welcomed you should get in touch by contacting us.

Complaints
We know that sometimes things go wrong and, in the unlikely event this happens, we want to put it right. As a valued client of Allied Insurance Services Ltd, we want you to tell us if our advice or service does not meet your expectations. We take all client dissatisfaction seriously and seek to use the lessons learned to improve the way we do things. Please contact us if you wish to make a complaint.

E-mail: help@polished-insurance.co.uk
Telephone: 01942 403370
Post: Allied House, 98 Standishgate, Wigan, Lancs WN1 2AG

Carpet Cleaners Insurance

If you run a carpet cleaning business then you will need an insurance policy that pays claims for any damage you may cause to the carpets you clean. Whether that damage is caused by discolouration, shrinkage or general damage, you need cover for damage to property worked upon and treatment risks, which are automatically covered by our policy. 

Carpet Cleaners Insurance

Domestic Cleaners Insurance

When you are cleaning in a customers' property you are legally liable for any damage you cause.  Not all insurance policies cover you for the damage you cause to a customer's property.  But our policy does.  So if you run a domestic cleaning business you need to contact us to get the cover you need, which also includes keyholder cover, should you lose any of your customers' keys. 

Domestic Cleaners Insurance

Contract Cleaners Insurance

If you run a contract cleaning business and need cover for the work you do in customer's premises then we can help.  Whether you work in shopping centres, nursing homes or any other type of commercial premises then we can help you arrange public and employers liability Insurance with specialist covers that most insurers exclude as standard. 

Contract Cleaners Insurance

End of Tenancy Cleaners Insurance

When you are undertaking an end of tenancy cleaning job, will your current insurance policy pay any claims for damage that you may cause to the property you are cleaning?  Probably not.  So speak to us here at polished insurance to ensure you have the correct cover for your cleaning work. 

End of Tenancy Cleaners Insurance

Office Cleaners Insurance

When you operate an office cleaning business, your customers are very important to you, and we understand that.  So in the event of an incident occurring that causes damage to your customers' property, you need an insurer that will pay those claims and maintain your excellent reputation with your customer.  Our policy is underwritten by Zurich, one of the world's leading insurance companies, giving you complete peace of mind should you need to make a claim. 

Office Cleaners Insurance

Window Cleaners Insurance

As a window cleaner you may get customer's who accuse you of scratching their new French doors or their recently built conservatory roof.  Without having an insurance policy that covers you for damage to the glass you would have to defend yourself at your expense.  Do you have the money to pay a solicitor to do that?  By having cover with polished insurance your claim will be dealt with whether you were at fault or not and if there was no proof of any damage caused by you, then Zurich will defend your position. Absolute peace of mind from just £15 per month

Window Cleaners Insurance

Oven Cleaners Insurance

If you run an oven cleaning business then you will want to be sure that if you damage a customer's oven when cleaning it that your insurer will pay for the damage you caused.  Well, if you are insured with us here at polished insurance then our insurer, Zurich will provide that cover.  Not all policies will cover the damage you cause whilst cleaning, whether that damage is caused to an oven, a kitchen worktop or a newly tiled floor.  So make sure you have the best cover you can by getting a quote from polished insurance.

Oven Cleaners Insurance

Driveway Cleaners Insurance

Do you clean driveways, patios or communal areas using a power washer? Does your current insurer cover any damage that the water may cause?  Or do they limit the pressure you can use to something like 100 bar?  If your insurance for your driveway cleaning business with polished insurance you will have peace of mind that your business is fully protected from the risks of damaging a customer's property that could cost you thousands of pounds to rectify.  

Driveway Cleaners Insurance

Upholstery Cleaners Insurance

If you run an upholstery cleaning business then you will need an insurance policy that pays claims for any damage you may cause to the sofas, curtains or other soft furnishings that you clean. Whether that damage is caused by discolouration or just general damage, you need cover for damage to property worked upon and treatment risks, which are automatically covered by our policy. 

Upholstery Cleaners Insurance

We can arrange many specialist covers for your business

Public Liability

Insurance

We provide specialist covers to protect your business including keyholder cover, damage caused by the incorrect use of chemicals and damage to the item being cleaned. Not all policies include these covers, but ours does.

Public Liability

Insurance

We provide specialist covers to protect your carpet cleaning business from claims made against you for injury to members of the public or damage to carpet or upholstery you are cleaning.

We include treatment risks and damage to property worked upon cover as standard.  

So if you are accused of damaging someone's carpet we will take care of the rest for you.

 

Employers Liability

Insurance

If your office cleaning business has employees or uses labour only sub contractors then you are legally are required to provide Employers Liability Insurance. This will protect your business in the event that someone working for you was to be injured at work.

Employers Liability

Insurance

If your business has employees or uses labour only sub contractors then you are legally are required to provide Employers Liability Insurance. This will protect your business in the event that someone working for you was to be injured at work. 

 

Tools & Equipment

Insurance

If your cleaning business cannot operate without the tools and equipment you use to do your work, then what will happen if that equipment was stolen or damaged? We can arrange affordable insurance cover that will ensure you are able to get back to work straightaway.

Tools & Equipment

Insurance

Tools & Equipment Insurance for Cleaners

If your business cannot operate without the tools and equipment you use to do your work, then what will happen if that equipment was stolen or damaged?

We can arrange affordable insurance cover that will ensure you are able to get back to work straightaway.

 

The benefits of using an industry specialist broker.

When polished insurance was established in 2004, our aim was to provide the best insurance cover and service to all types of cleaners. All these years later, we are still doing that.   


We understand the cleaning industry, we have the backing of a leading insurer - Zurich and we have a team of friendly and dedicated insurance experts who can help you to get the right cover for your business. 


So if you run a cleaning business and you aren't insured with us, then why not?  It's not too late though, just click below to get your quote today.

Competitive premiums 

Our premiums start from;

£1m PL

£

120.00

Public Liability Cover including keyholder cover, treatment risks and damage to the item worked on


£2m PL

£

140.00

Public Liability Cover including keyholder cover, treatment risks and damage to the item worked on


£5m PL

£

225.00

Public Liability Cover including keyholder cover, treatment risks and damage to the item worked on


All premiums quoted are exclusive of Insurance Premium Tax and Policy Fee and are based on the premium being paid in full. 

Here's how to get started

Get your quote online

Complete your details online and you will be presented with a quotation for the cover you need. 

Get immediate cover

Need to provide proof of insurance in a hurry?  No problem.  You can arrange cover to start the same day.

Call us if you need help

If you have any questions at all simply ring us on 01942 403370 and we will be happy to help.

Download your documents

Your policy documents will be ready for you to download within seconds of you arranging cover.

Frequently Asked Questions

What types of cleaning can you cover?

We can provide cover for a wide range of cleaning activities that will cater for 99% of cleaning businesses.  You will see an extensive list of the activities covered when you get your quote.  If there is anything you do that we don't have listed, just give us a call on 01942 403370

What happens if I have to make a claim?

You simply need to ring us on 01942 403370 and one of our experienced staff members will take the details of your claim and advise you what to do next.  We appreciate that having a claim can be traumatic and we are here to help you through the whole process. 

What payment options do you offer?

You can pay your premium in full by debit or credit card or you can pay in instalments by monthly direct debit.

How soon can I arrange cover and get proof of insurance?

You can start cover with immediate effect.  Once you have received your quote, simply choose the payment option you prefer and the cover can be started immediately.  You will be able to download your documents straight away. 

What our customers have to say;

I have been dealing with Polished for over 15 years and I would never go anywhere else.  Lynda has been superb, always available when I have queries and they provide very good cover at a very reasonable price.  I would definitely recommend polished to other cleaners.

Paul Simons PS Cleaning Solutions

When I first started my business I had a policy I bought through a comparison site and I learned a very expensive lesson as I didn't have the cover I needed. Since finding polished in 2017 I have been very happy with the service and cover I get and would definitely recommend them to others. 

Judy Graham Sparkle & Shine Cleaning Services

Before I was insured with polished I had a policy with another broker who never answered the phone and was very unhelpful.  Polished have been excellent and offer great cover at a price I am very happy with.

Steve Penny Spenny Cleaning Services

I was referred to polished insurance by trade by the FWC and I have been with them over 8 years now and always found them to be competitive and very helpful when I have needed to make changes.

Ken Sargent Pane in the Glass Window Cleaning

Get in touch

Cleaning trades covered

Social Media

Polished Insurance is a trading name of Allied Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority under ref no 309497. Registered Address; Allied House, 98 Standishgate, Wigan, WN1 1XA. Registered in England No: 4319831

Get in touch

Polished Insurance

98 Standishgate

Wigan

WN1 1XA


Tel: 01942 403370

Email: info@polished-insurance.co.uk


Cleaning Insurance Available

Polished Insurance is a trading name of Allied Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority under ref no 309497. Registered Address; Allied House, 98 Standishgate, Wigan, WN1 1XA. Registered in England No: 4319831

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