[premiermaids]

I have just  had a quote for public liability insurance for a domestic cleaning business.

On reading the 'small print' it seemed that I was not covered for any breakages/damage to any item I may be cleaning. This was confirmed by my broker.

The question is, if I am not covered then how do I protect myself from accidental breakages(and subsequent claim) to a clients property?

The 'standard' public liability excess of £100 simply does not cover breakages.

What do I state in my 'terms and conditions' ?

I am sure  you guys will have run into this sometime in the past and would welcome your views.

PS. I did a search  on 'breakages' but could not find anything of real value in this instance.

Regards

Jim   

[garyj]

On the odd occasion that one of our cleaners has broken something then the item has been replaced 'out of our own pockets'. We do not do home cleaning, and I would guess some of the ornaments you have to clean around are expensive, so be careful!!
I would think that for what the insurance companies would charge for cover then it might be worth taking the risk and not having any. In over 5 years trading we have broken a couple of objects worth about £50.00 in total. So we have probably saved hundreds if not thousands on insurance.

[maggie67]

Hi Jim

Have sent you a pm. May be useful!

Maggie

[Jan K]

Hi Jim!

My dom cleaning public/employers liability states a £50.00 excess and excludes items of a brittle nature, ie ceramics, glass, stoneware etc etc. It does not exclude all breakages, so it may be worth your while looking at Groupama (find them thro a search engine as I did)