Carpet Cleaners’ Liability Insurance
Public liability insurance provides cover in the event of claims made against you by members of the public for injury, illness, death or disease caused by you in the line of your work. An example of this could be if someone falls over your cleaning equipment causing personal injury. Personal injury claims can run into many thousands of pounds and your public liability insurance is designed to cover carpet / upholstery cleaning contractors for such an event.
What Does Carpet Cleaners’ Liability Insurance Cover?
Liability insurance covers such mishaps as:
1. Loss of customers’ keys
2. Damage to property being worked upon
3. Treatment risks
4. Temporary removal of customers’ goods
Do You Have To Carry Liability Insurance?
You are not legally required to have public liability insurance but it is prudent to have some. If you are uninsured, a claim made against you could ruin your business.
Amount Of Liability Cover Required
Public liability insurance will protect your business against the possibility of mistakes you could make or where you feel you were not at fault to help with the legal costs to defend you.
The amount of cover you need will vary according to your business type and other factors. Many small businesses take out £5 million of cover.
Details to look out for on your policy
Is your business covered for the right things? For example, if you work at heights above 10m, is this covered?
Which exclusions are on the policy? Cheaper quotes may exclude circumstances that are important for your business.
Have you chosen the right level of cover for your business and a level that is acceptable for your clients?