Cleaning Contractors and Support Services Insurance Scheme

(Office, Domestic, Carpet/Upholstery Cleaning, Pressure Washing, Builders Cleans and more)

The following provides guidance on the insurance cover we are able to provide but does not include full terms and conditions. For further information please contact a member of the Cleaning Department.

We have been arranging Insurance for over fifty years and during this time have developed a thorough and specialised knowledge of Insurances relating to the Cleaning Industry.

We understand the needs of organisations connected with the cleaning industry and are able to arrange appropriate cover at realistic and competitive premiums.

Whatever type of cleaning you or your client specialise in, we have the right policy for you.

We are corporate members of the National Carpet Cleaners Association (NCCA). Over the years we have adapted our scheme to encompass a package of specific insurance arrangements. These have been designed by our dedicated team of insurance professionals to offer you or your client arguably the widest cover available in the UK insurance market.

Insurances and Services Available for the Cleaning Insurance Scheme

  • Employers' Liability
  • Public Liability - Limits of Indemnity available as standard are £1,000,000, £2,000,000 & £5,000,000 with higher limits also available on request.
  • Products Liability
  • Legal Expenses
  • Property including All Risks cover for Cleaning Machinery anywhere in the UK
  • Motor Fleet Insurance
  • Directors & Officers Insurance
  • All other Associated Insurance covers

Employers' Liability
This Insurance is required by law and provides cover for Legal Liability in respect of Injury sustained by any employee arising out of and in the course of his or her employment. Insurance is provided for all declared cleaning work undertaken by the insured.

Public Liability
Under this section indemnity is granted for Legal Liability in respect of injury to any person (other than an employee) and/or damage to property arising during the course of your company's business activities. The insurance will also include cover for Products Liability.

The indemnity granted by the Public Liability section is very wide and includes legal liability in respect of:

Treatment Risks
Indemnity is provided for Legal Liability in respect of damage to carpets, furnishings and upholstery caused by the cleaning process. The cover will include any shrinkage, colour runs and wrongful application up to the Public/Products Liability Limit of Indemnity.

Security of Customers Premises
The Insurance provides indemnity for Legal Liability following lapse of security at a customer's property due to negligence of your employees.

Damage to Property Taken Off Site for Cleaning
There are occasions when customers' property may be removed for cleaning, renovation or repair by your company. Indemnity is provided for Legal Liability in respect of any loss or damage to such property.

Accidental Destruction of Goods
The policy provides indemnity for Accidental Destruction of customers' goods.

Financial Loss
In the event of the insured being legally responsible for Financial Loss, the policy will provide indemnity up to a defined limit during any period of insurance.

The following covers can also be added to the Public Liability policy (may be subject to an additional premium):

Loss of Keys
Indemnity is granted against all sums which your company may be legally liable to pay in the event of Loss of Keys necessitating in the replacement or alteration of locks to your customers' buildings. This section also provides indemnity for Consequential Loss following Loss of Keys up to defined limits.

Misuse of Customer Telephones
Indemnity will be provided for any loss resulting in any act of dishonesty or embezzlement caused by misuse of customer’s telephones by an employee within defined limits.

Fidelity Guarantee (Theft by Employees)
The company will indemnify the insured for direct loss of money or goods belonging to customers of the insured caused by any act of theft committed during the period of insurance by an employee of the insured.

Products Liability
Products Liability is provided under the standard Public Liability section and will include indemnity for any legal liability arising out of any product sold, supplied, stored, handled, manufactured, treated or distributed by the insured in connection with their business.

Legal Expenses
Considered vital in today’s litigious society this cover includes employment disputes (including compensation awards), legal defence costs, Transfer of Undertakings (TUPE), Tax Advice, Eurolaw Commercial Legal Advice, Counselling & Business Assistance. A document drafting facility is also available along with an online Employment Manual.

Our Policies are Underwritten in the Company market and are exclusively available via Camberford Law PLC.

Proposal Forms

To obtain a fast, personalised, no-obligation quotation, please either complete an online form or print off a pdf version from below and send it to us.

Claim Forms

We have a set of standardised claim forms applicable to all schemes.
They can be found here.

Brochure

If you would like the information from this page in a printer-friendly format, please download our Cleaning Insurance Scheme Brochure. As it is in pdf format, you will need to ensure you have Adobe Reader installed in order to view it.