What does Public Liability Insurance cover in a Cleaning Business?

Public liability insurance for a cleaning business may cover costs to a third party incurred because of your cleaning business causing property damage or personal injury.

A public liability insurance policy may also cover property damage and personal injury caused by your employees, but it may not cover property damage or personal injury that they themselves suffer – this is covered by worker’s compensation and income protection insurance.

Most standard public liability insurance policies will cover cleaners working for residential clients or in light commercial environments. However, if you are cleaning public spaces (such as shopping centres, for example) there may be additional costs or conditions associated with your public liability insurance.

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