The Importance of Having a Liability Insurance for Commercial and Domestic Cleaning Services

05 August 2021

Companies that offer commercial and domestic cleaning services are vital to property owners given the advantages these services can bring. For one, these services can improve the longevity and value of properties as all rooms and places are cleaned and maintained regularly. They can likewise make the properties healthier as thorough disinfection is typically conducted on high-touch areas.

Even though these services are often carried out by professional cleaners, liability insurance should still be present and acquired by the cleaning companies.

A General Overview of Liability Insurance

What makes liability insurance significant lies in its incorporated terms and elements.

Instances of property damages and injuries may still arise during the operations of cleaning companies, even with the presence of appropriate safety precautions. And if these things happen during their operations, then they would have to pay for the legal fees and damages that they have caused. The company that offers liability insurance to the cleaning companies, however, takes over the responsibility of paying these fees, ensuring that the latter will not spend their earnings on paying the damages.

You see, liability insurance can provide sufficient protection to businesses in the event of bodily injury or property damage claims. This specific insurance can also help them with any personal or advertising injury claims. Obtaining liability insurance can help cleaning companies carry out their services without worrying too much about any expenses that may ensue throughout their operations.

Primary Elements of a Liability Insurance 

Liability insurance covers three primary elements.

1. Bodily Injury Claims: People who are injured or hospitalised on a property during a specific cleaning process by professionals can be covered by bodily injury claims. The insurance company that offers liability insurance can then cover several expenditures, which include medical expenses, lost income, funeral expenses, and legal fees.
2. Property Damage Claims: Property damage claims, alternatively, cover all damages that may occur inside the property during the cleaning process of professionals. If some of the cleaning professionals have accidentally damaged the property of another person or the company, then the insurance company would cover the costs of repair or replacement.
3. Personal and Advertising Injury Claims: One more primary element of liability insurance that it readily covers is the personal and advertising injury claims. These claims cover non-physical but reputational injuries generated out of marketing campaigns by the company, which are then turned into third-party lawsuits. Copyright infringement, slander, libel, and invasion of privacy are some non-physical injuries that the insurance company can cover.

For clients, working with a cleaning company that is insured allows them to feel safe throughout its cleaning operations. If something happens inside their properties, clients always have the option to ask for the cleaning company’s help in covering the costs of injuries or damages.

If you want to work with an insured cleaning company, you can always call us at A&K Blasch. All our commercial and domestic cleaning jobs are completed with high standards.

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