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Residential Cleaners Insurance

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Residential cleaners insurance

Residential cleaners insurance NZ

Residential cleaners insurance is a specific type of insurance coverage tailored for businesses that provide cleaning services for homes. It protects businesses from financial risks that can occur due to accidents, damages, or other unexpected incidents during their services.

Why is residential cleaners insurance important? 

Imagine you’re working, and you accidentally damage an expensive vase or artwork. Or perhaps, an employee gets injured while on the job. These accidents could lead to costly lawsuits or medical expenses. Residential cleaners insurance comes into play here, protecting you from such unforeseen expenses and potential legal disputes. With the right insurance, your business can operate with confidence, knowing that potential setbacks won’t put a massive dent in your finances.

In New Zealand, the average cost of residential cleaners insurance typically ranges between $50 – $125 per month. 

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

  • Uses chemicals or equipment
  • Operates in multiple homes
  • Employs several team members
  • Faces potential injury risks

What covers are typically included in residential cleaners insurance? 

Public Liability

This policy covers common residential 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 residential 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 residential 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 residential 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 residential cleaners insurance cost?

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

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Residential cleaners insurance in NZ typically costs between $50 to $125 per month

Who needs residential cleaners insurance?

Anyone involved in the residential cleaning business should consider this insurance. Whether you’re a sole proprietor running a small cleaning business or own a larger company with multiple employees, having insurance is vital.

No, it’s not a legal requirement. However, many clients may ask for proof of insurance before hiring you. It’s also a smart move to protect your business from potential financial liabilities.

Yes, most of the time employees are covered by your residential cleaning insurance policy. 

How do I get proof of residential cleaners insurance

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

Acquiring a residential 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 residential 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 residential cleaners insurance not cover?

Employee Theft

If an employee steals from a client this isn’t covered unless you purchase crime, fidelity or management liability insurance.

Normal Wear and Tear

The usual degradation of residential cleaning equipment over time isn’t covered.

Intentional Damage

Insurance won’t cover damages that were done on purpose.

Other common questions about residential cleaners insurance

Absolutely! Every business is unique, and insurers, like Gerrards, offer customized policies to cater to your specific needs.

Many policies offer the option to cover business equipment. Check the policy details or speak with your broker.

It’s crucial to inform your insurer about all services you provide. These activities can typically all be included under one policy. 

Contact your insurance provider or broker immediately. They’ll guide you through the process, ensuring it’s hassle-free. 

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