Protecting your carpet cleaners business
What insurance do I need for a carpet cleaners business?
Being self-employed has its advantages. You’re your own boss with the freedom to fit work around family life and other commitments. But all these benefits bring great responsibility, to your clients, your staff and for your own peace of mind. Without the right carpet cleaners insurance in place you could be exposed to compensation claims against you if something goes wrong. Could you cover the cost of replacing a carpet? How would you cope if an employee had an accident that left them unable to work? Carpet cleaners insurance can leave you safe in the knowledge that should something happen, you’re covered.
Carpet cleaners insurance covers
Liability cover for carpet cleaners
Working with chemicals in other people’s houses, up and down stairs comes with its risks. Simply tripping over a cable or knocking something over could result in a customer claiming compensation against you. Public liability insurance typically protects your business against claims for accidental damage to property as well as third party injury. You never know what is around the corner and compensation awarded for injury claims can escalate quickly. By including public liability cover in your carpet cleaners insurance you can be confident that if someone did hurt themselves as a result of you working, their medical expenses, compensation and legal costs can be taken care of. Employers’ liability can protect your staff in similar circumstances
Carpet cleaner equipment cover
Carpet cleaning machines can be costly bits of kit. You may have a range of machines or operate on a solo basis meaning you’re reliant on one main appliance. Whatever the structure of your business, you should consider how you would continue to help your customers without your equipment. What would you do if they were lost, damaged or stolen? Do you have a backup or would you need replacements pronto? By including the right level of tool cover in your carpet cleaners insurance package, you can ensure minimal disruption to your day to day activities should something go wrong.
Personal accident cover for carpet cleaners
So working for yourself can be advantageous, but what happens if you fall ill or have an accident that leaves you unable to work? How would you pay the bills without a regular income, and how long could you realistically afford to be off for? Personal accident cover typically provides a weekly income to support you in these circumstances. This could be a blanket cover or have various levels of cover available; either way, this protection could help tide you over until you’re able to return to work. Typically this can be included within your carpet cleaners insurance package to offer financial protection should you be involved in an accident or be signed off due to illness.
Carpet cleaners legal expenses
While some insurers will include this as standard, others will offer this cover as an optional extra. Legal expenses will generally cover a number of defined events, such as employment disputes, tax and VAT appeals to name a few. This cover could be invaluable if you are unexpectedly taken to court in relation to your business and can protect your financial exposure to costly litigation.
Comprehensive carpet cleaners insurance
Whatever your carpet cleaning insurance requirements, we are here to help you find the right cover at the right price to give you peace of mind. We understand the time pressures of running a business which is why we’ve taken the hassle out of arranging your carpet cleaners insurance. If you know the covers you need you can protect your business online in a matter of minutes. If your needs are slightly more complex or you need some advice, our team of expert advisors are on hand to help and give professional recommendations tailored to you.