If you are looking for one of the best cleaning insurance London has to offer, this is the best place to start. The nation’s capital has the highest number of cleaning companies per square mile – servicing some of the world’s most exclusive and expensive buildings. This means that London-based cleaning businesses must be extra careful when it comes to protecting themselves and their employees. 

Whether you are a sole trader or a growing enterprise, it is essential that you can find – and use – the right cleaning insurance for your business.

Here are a few of our top tips on how to know which insurance policy is right for you…

1. Consider your size

A sole trader working part-time at a residential home will need a very different form of insurance to a corporate London cleaning business. Furthermore, by applying for an insurance policy that matches the actual size of your business, you may be able to save money and improve your coverage.

2. Know your risks

Similarly, it is important to fully understand the risks of your cleaning business before choosing an insurance policy. For instance, domestic cleaners are more likely to face claims of theft by employees, while carpet cleaners may require cover against damage to furnishings. Likewise, corporate cleaning firms may wish to insure themselves against accidents such as key loss and a failure to secure a customer’s property, as well as the standard protections against damage and theft.

Once you have identified your business’ core risks, you can choose the most appropriate insurance policy for your needs.

3. Read the small print

Every insurance company offers a different set of terms and conditions, and these will sometimes vary depending on the size and nature of the business being covered. For instance, many insurers will not cover claims for bleach spills or ironing accidents, although Polished Insurance covers both of these as standard.

If you have any doubts about what your policy does and does not protect against, read the small print. Then read it again. If you don’t understand any of the terminology, give us a call and our customer service agents will be happy to talk you through it.

4. Understand your excess

Every insurance policy comes with an excess – this is the amount of money your business has to pay up front at the beginning of any claim process. At Polished Insurance, our standard excess rate is £250, but this can be reduced to £100 if you choose to pay a surplus on your premiums.

Many cleaning companies prefer to pay extra for their premiums in order to keep the excess cost down, but if you are a smaller firm with no history of claims, you may feel more comfortable accepting a higher excess figure. Whichever option you choose, it is important that you understand how the excess payment works, and that you pay it in a timely manner to avoid lengthy claims and additional pay-outs.

5. Relax

One of the best things about getting cleaning insurance is that you can relax, safe in the knowledge that any accidents or errors will be covered for you. This should allow you to get on with what you do best – making the world a spotless place!