Affordable, Comprehensive Cleaners Insurance
Navigating cleaning projects involves managing various risks from property damage to workplace accidents. We’re here to make that journey safe and secure with affordable, comprehensive cleaners insurance.
As one of Australia’s leading trade insurers with over 20 years of experience, we offer tailored insurance solutions designed for cleaners, ensuring you can focus on your craft with peace of mind.
Reach out to our experts for a free and instant online quote today. Your security and success are our priority.
Instant Cleaners Insurance Quotes
Public Liability Insurance
Public liability insurance provides cover for:
- Protection against claims: Public liability insurance covers a business against claims made by third parties for property damage or physical injury that may occur during trading. This is important as you may be held liable for any damage or injury caused by their work.
- Legal requirements: In Australia, public liability insurance is mandatory for most businesses depending on what state or territory you are in. Failure to have this insurance can result in fines or legal action.
- Peace of mind: Having public liability insurance can give you peace of mind knowing that they are protected against potential claims and lawsuits.
- Business continuity: In the event of a claim, public liability insurance can help an you continue operating by covering the costs of legal fees and compensation payments.
Tools Insurance
Tools insurance provides cover for:
- Protection of tools and equipment: Tools insurance covers the cost of replacing or repairing tools and equipment that are damaged or stolen while on the job. This is important for those who often work with expensive and specialised equipment.
- Customisable coverage: Tools insurance policies can be customised to fit your needs. This means that companies can choose the level of coverage that is appropriate for your business.
- Compliance with regulations: In some cases, tools insurance may be required by law or by the terms of a contract. Having tools insurance can help you comply with these regulations and avoid penalties.
Professional Indemnity Insurance
Commercial vehicle insurance provides cover for:
- Protection for your work vehicle: If you rely on your vehicle to transport tools and equipment to and from job sites, commercial vehicle insurance provides coverage for damages to your vehicle, theft, and third-party liability in case of an accident.
- Coverage for tools and equipment: A comprehensive commercial vehicle insurance policy can also include coverage for your tools and equipment, protecting you from theft, fire damage, or damage caused in a vehicle collision or rollover.
- Financial protection against liability claims: In the course of your work, you may accidentally cause property damage or bodily injury to a third party. Commercial vehicle insurance can help cover the costs of legal fees, settlements, or judgments resulting from these liability claims.
- Peace of mind and business continuity: Having the right insurance coverage in place ensures that you can continue working and serving your clients even in the face of unexpected events or accidents. It provides peace of mind knowing that you are protected financially and can recover from potential losses.
- Compliance with legal requirements: In some states or territories in Australia, it is mandatory for businesses to have commercial vehicle insurance. By having the appropriate insurance coverage, you can avoid potential legal issues and penalties.
Personal Accident & Illness Insurance
Personal accident insurance provides cover for:
- Financial support: Personal accident insurance steps in to provide financial help if you’re hit with an unexpected injury. It can offer a steady stream of income or a lump sum payment, ensuring you can manage your bills and living costs even when you’re out of action.
- Medical expenses: Let’s face it – accidents can come with hefty medical bills. This type of insurance can help cover those expenses, from hospital stays to rehab costs, ensuring you get the care you need without the financial headache.
- Family security: If you’ve got people depending on you, this is a big one. Personal accident insurance ensures that your family’s financial well-being is taken care of if an accident leaves you unable to work. It’s all about making sure your loved ones are okay, no matter what.
- Peace of mind: Knowing you’ve got a financial safety net can take a load off your mind. With personal accident insurance, you can focus on getting back on your feet without the added stress of money worries. It’s about making sure that an accident doesn’t derail your life or your finances.
Professional Indemnity Insurance
Professional indemnity insurance provides cover for:
- Protection against claims: Professional indemnity insurance provides financial protection in the event of a claim against you. This can include claims related to professional negligence, errors or omissions, or breach of professional duty.
- Legal costs: In the event of a claim, legal costs can quickly add up. Professional indemnity insurance can cover these costs, including the cost of hiring a lawyer and any court fees.
- Reputation management: Some professional indemnity insurance policies include cover for public relations expenses. This can help restore a company’s reputation in the event of a claim.
- Peace of mind: Having professional indemnity insurance can give you peace of mind, knowing that they are protected in the event of a claim. This can help you focus on your work and grow your business.
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Winner of the Insurance Business Top and Elite Broker in 2013, 2014, 2015, 2016, 2018, 2019, 2020 and 2021.
Do Cleaners Need Insurance?
A cleaner in Australia can use several types of insurance to protect themselves and their business. These include:
- Public liability insurance for cleaners: This type of insurance covers you if you cause damage to someone else’s property or injure someone while working. It can also cover legal fees if you are sued for damages.
- Tool insurance: This type of insurance covers your tools and equipment against theft, loss, or damage.
- Commercial vehicle insurance: This covers any business vehicles you own for accidental damage because of the actions of you or your staff member.
- Personal accident insurance: Covers you for loss of income if you were unable to work as a result of an injury or illness, regardless of whether or not you sustain injury or develop an illness at work or in your personal time.
- Professional indemnity insurance: This insurance covers the installer in case they are sued by a customer for negligence or errors in their work.
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Why Choose Us?
At All Trades Cover, we specialise in understanding the unique risks and needs of your industry and offer tailored insurance advice for hundreds of trades across Australia.
Our experienced brokers identify your trade’s risk exposures to ensure you’re fully protected. We simplify the insurance process, from initial setup to handling claims with minimal hassle for you.
Our team is always on hand for support and questions, and aim to make getting your insurance straightforward and stress-free for you.
FAQs
What is typically covered?
- Compensation costs for personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
- Compensation for damage to property owned by a third party due to your negligent business activities
- The legal and defence costs associated with a covered claim
- Compensation for damage of third-party goods not owned by you that are in your care, custody, or control
- Coverage of either $5 million, $10 million, or $20 million
- Many public liability policies also provide cover for product liability
What isn’t typically covered?
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship or product recall
- Professional negligence
- Events occurring before or after the policy period
- Aircraft products
- Asbestos
- Liquidated damages
- Punitive damages where the insured party acted so badly that extra damages were awarded
- Liabilities assumed under contract that the insured would not be liable for at common law
What is typically covered?
- Ladders and landscaping equipment
- Hand-held power tools such as hand saws, drills, or electric planers
- Standard tools like hammers, wrenches, and bolt cutters
- Hired tools and portable equipment
What isn’t typically covered?
- Equipment and machinery that are not portable are typically excluded from tool insurance
- Tools that are damaged intentionally to collect insurance money are excluded from any insurance payout
- Insurers will not cover tools damaged because of improper use under a tool insurance policy
- Tools left unattended may not be covered. Find out the specifics of your policy by speaking with an insurance professional.
What is typically covered?
- Breaches of duty, including claims from privacy breaches like breaches of confidentiality and fiduciary duty, as well as professional duties that have been overlooked
- Damages due to the dishonest and negligent actions of employees
- Breaches of trade practices and fair-trading acts
- Defamation cases arising out of professional advice or services
- Public relations expenses to help protect your business’ reputation.
What isn’t typically covered?
- Illegal acts
- Punitive and exemplary damages (when a judge has found a professional to be exceedingly negligent)
- Intentional damage, which generally includes any acts, errors or omissions from the insured professional that intended or could reasonably foresee loss, injury or damage caused to a third party
- Any claim relating to asbestos
- Employee injuries sustained while working or carrying out your business’s activities (this would be covered under worker’s compensation insurance)
- Public liability claims.
What is typically covered?
- Accidental injury or death
- Loss of income due to temporary or permanent disability
- Medical expenses, including hospitalisation, surgery, and rehabilitation
- Emergency transportation and accommodation
- Home and vehicle modifications to accommodate disabilities
- Childcare expenses
- Funeral expenses
What isn’t typically covered?
- Intentional self-injury
- Pre-existing medical conditions
- Injuries sustained while under the influence of drugs or alcohol
- Injuries sustained while participating in certain high-risk activities, such as extreme sports or illegal activities
- Injuries sustained while traveling to or from work
What is typically covered?
- Articulated trailers
- Caravans
- Cranes
- Excavators and bobcats
- Forklifts
- Front end loaders
- Graders
- Light and heavy rigid movers
- Prime movers
- Vans and utes
What isn’t typically covered?
- Pre-existing damage
- Inebriated or impaired drivers
- Failure to disclose information
- Rental vehicles
The cost of insurance can be influenced by various factors, including the type of trade, the size and scope of projects undertaken, the value of tools and equipment, the chosen level of cover, and your claims history.
Insurers such as us assess these factors to determine the level of risk and accordingly set the premium rates.
You should review their insurance coverage at least annually or whenever there are significant changes in your business, such as taking on larger projects, purchasing expensive equipment, or expanding services.
Regular reviews ensure that your coverage remains adequate and reflects your current business needs.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
For information relating to the collection, handling, use and disclosure of personal information, as well as how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected, refer to our privacy policy.
Have a Question?
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