All cleaners working for property managers and real estate agents will generally be required to hold insurance before that can start work.
In this guide we will take a look at the forms of cover commonly required.
Public Liability Insurance
All cleaning contractors (those working under their own ABN) will require public liability insurance.
This form of cover protects you from the financial consequences of causing property damage or personal injury to others through your own negligence.
Common claims can include people slipping and injuring themselves where you have not placed appropriate warning signs on slippery surfaces.
Another common claim is where an inappropriate cleaning product has been negligently used and resulted in damage to property.
Although these events can constitute common claims, you still need to check your policy to ensure events such as these are covered.
When taking out public liability cover in NSW it is also important to tell the insurance company if you are undertaking any work in public spaces, as this can impact upon the cover you need.
It is far less common for income protection to be a mandatory form of insurance for cleaners, however it is still important for any cleaner working for themself.
As a self-employed or contract cleaner you will generally not be covered by worker’s compensation or sick leave, therefore the only way to protect your income is via income protection insurance.
Income protection can replace the majority of your income for a period of time if you are unable to work due to injury or illness, and in most cases it will cover you for events which occur at or away from work.
To obtain a quote on your cleaners public liability insurance please contact your broker or preferred insurance company.
It’s also worth shopping around, as the quotes for cleaners insurance can vary greatly depending on who you go through.