Contract Cleaners

Target Market
Our contract cleaner’s product is underwritten by Ascot Syndicate 1414 at Lloyd’s and is suitable for cleaning companies that require public, products and employers’ liability. The product also includes treatment damage and misuse of telephones cover as standard.

In addition, the product provides the option to cover material damage insurance for customer’s tools and/or stock. It can include the following optional covers: Financial Loss cover and lock and / or key replacement cover. The product is not suitable for companies and/or individuals that are seeking insurance for non-cleaning business activities*.

*Commercial Express would consider incidental non-cleaning business activities.

Features & Benefits

• Public & Products Liability cover available up to £5,000,000 (cover up to £10,000,000 can be offered on request)
  
• Employers’ Liability up to £10,000,000
  
• Turnover rated and no limit on the number of employees
  
• Treatment cover up to £30,000 FREE of charge*
  (in the event of liabilities arising from accidental bodily injury or accidental damage to property caused or rising from any treatment carried out by the insured or their employees)
  * Please ensure treatment cover is selected in order for cover to apply
• Misuse of telephones up to £5,000 FREE of charge
  (in the event that the insured shall become legally liable to pay due to any act of fraud, dishonesty or embezzlement in connection with the misuse of customers telephones by an employee of the insured)
  
• Bona Fide Sub Contractors included FREE of charge
  

Optional Extras

• Financial Loss available up to £30,000
  (in the event that the assured becomes legally liable to pay for financial loss by others)
  
• Lock and/or Key Replacement available up to £30,000
  (in the event of losing or replacing a locking device to a third party property)
  
• Stock cover can be added up to £10,000
  
• Business Equipment can be added up to £50,000
  (single article limit £10,000)
  
• Up to 25% Republic of Ireland work subject to UK jurisdiction

• Worldwide cover for non-manual employees normally resident in the UK who are temporarily working overseas
  
• Indemnity to principal as standard
• Includes cover for Cross Liabilities
  
• Liability cover in respect of the Defective Premises Act
• Data Protection Act 2018 Defence Costs
• Liability cover for leased or rented premises
  
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