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Commercial Cleaners Insurance

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Commercial cleaners insurance

Commercial cleaners insurance NZ

Commercial cleaners insurance is a specialised insurance policy that provides coverage to businesses involved in the cleaning sector. It protects them from the potential risks associated with their services, such as damages to property or accidents while cleaning.

Why is commercial cleaners insurance important? 

Cleaning might seem simple, but it comes with a set of unique risks. For instance, a cleaning company can be held liable if their employee breaks a valuable item while cleaning. Or, if an employee slips on a wet floor after cleaning and gets injured, the business might face legal actions. Commercial cleaners insurance ensures that such unexpected incidents don’t lead to substantial financial losses for the cleaning business.

In New Zealand, the average cost of commercial cleaners insurance typically ranges between $60 – $120 per month. 

It’s crucial to have commercial cleaners coverage if your business:

  • Provides cleaning services to others
  • Uses chemicals or specialised equipment
  • Has employees or contractors
  • Operates in multiple locations

What covers are typically included in commercial cleaners insurance? 

Public Liability

This policy covers common commercial cleaners business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps commercial cleaners businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.  

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Tool Insurance

Safeguards your commercial cleaning equipment against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.

 

Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Employers Liability

This insurance helps protect commercial cleaning businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

How much does commercial cleaners insurance cost?

Commercial cleaners insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Commercial cleaners insurance in NZ typically costs between $60 to $120 per month

Who needs commercial cleaners insurance?

Commercial cleaners insurance is necessary for:

  1. Businesses offering cleaning services to commercial entities.
  2. Individual contractors providing cleaning services.
  3. Cleaning businesses with their own storefront or office.
  4. Cleaning businesses that use chemicals, machinery, or other tools.
  5. Businesses that offer specialised cleaning services like industrial or hazardous material cleaning.

 General business insurance often covers general liabilities such as property damage or business interruptions. However, commercial cleaners insurance is specifically tailored for the cleaning industry and addresses the unique risks that these businesses face. Without it, you might find gaps in your coverage that could prove costly.

Yes, most commercial cleaners insurance policies provide coverage for claims arising due to your employees’ actions while performing their duties. It can also cover contractors operating under your business (but only whilst carrying out work on your contracts, not their own.)

How do I get proof of commercial cleaners insurance

You can usually get proof of insurance same day when you purchase insurance through Gerrards.

Acquiring a commercial cleaners insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our commercial cleaners insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does commercial cleaners insurance not cover?

Known issues or pre-existing damages:

Damages known beforehand aren’t covered. If you’re aware of an issue or damage before starting the cleaning service and it worsens, your insurance won’t cover it.

Intentional damage

If damage is done on purpose, it’s not covered. Insurance covers accidents, not intentional harm. If an employee purposefully breaks something, the insurance won’t cover it.

Normal wear and tear

Aging and daily use damages aren’t covered. If a carpet wears out over time, it’s considered normal wear and tear and is not a result of cleaning services, hence not covered.

Other common questions about commercial cleaners insurance

Yes, some insurers offer short-term policies for single events or jobs. If you are doing regular jobs than this will quickly add up to more than an annual policy.  

Typically, yes. Most policies cover damages that arise due to the cleaning solutions used, provided they’re used correctly. However, always check the specifics of your policy.

Maintain a clean claims record, provide regular training to your employees, invest in safety equipment, and consult your broker for risk management strategies.

Some commercial cleaners insurance policies might offer coverage for lost keys and the resulting costs of lock replacement or security breaches. This is known as “Lost Key” coverage. However, it’s crucial to confirm this with your broker and ensure it’s included in your policy if it’s a concern for your business.

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