Cleaning Company Insurance: is it mandatory?
Straight to the point: Insurance for the Cleaning Company is not mandatory by law but it is essential to manage your company with peace of mind. The signing of a Civil Liability Policy, in fact, envelops you and your employees. In a safety net made to support you in your time of need. And avoid that you find yourself having to face unexpected and often unsustainable expenses alone.
In particular
A Cleaning Company Liability Policy will allow you to protect your personal and corporate assets. Since the possible claims for compensation that may be made to you by third parties during the period of validity of the contract will be taken over by the company you have entrusted to. Only in this way will you be able to enjoy that lasting serenity. That will help you run your cleaning company better. And, not to be overlooked, you will be able to face, without wavering, the claims for compensation. Generated by professional errors or work-related injuries of employees.
Professional liability policy for the cleaning company: what it covers
A Cleaning Company Professional Liability Insurance covers the civil liability of the cleaning company towards third parties.
- Customers.
- Employees.
- Providers.
The purpose of this insurance coverage is this:
keep your company’s assets unharmed. If you or your employees unintentionally cause damage to third parties during the course of their work.
In other words
Should a claim arise, it will be paid by the company with which you took out the policy. Of course, the civil liability of a cleaning company also applies in the event that one of your employees suffers an injury. Let’s assume that one of your employees suffers a serious injury. Maybe while he is busy cleaning at a supermarket or condominium. In this case, the Professional Liability Insurance to protect your Cleaning Company will be activated in your protection. Compensating the injured employee, only if you have added a guarantee called RCO to your policy. This is the Civil Liability guarantee towards Work Lenders. Call in RCO lingo. By purchasing this additional guarantee, the coverage offered by your Cleaning Company Liability Policy will be even greater. Since he will indemnify you how much you would be required to pay as compensation. For bodily harm suffered by your employees in the workplace.
3 Insurance Covers That A Cleaning Company Should Never Overlook
The insurance products present on the Italian market today are really many. Especially in the business environment. This is why it is worth briefly reviewing 3 types of policies. Which can definitely provide your cleaning business with a complimentary level of protection. Compared to that provided by a Professional Civil Liability Insurance.
The 3 insurance coverage that a business owner should never underestimate are:
1. Accident policy
2. Legal protection insurance
3. Office policy
With the stipulation of Accident Insurance to cover the owner of the company, the insured receives compensation. For physical damage suffered by himself during work activities. This policy becomes even more important if you run a sole proprietorship. And you are the one who takes care of the cleaning work.
Let’s take an example
While using a ladder to So clean the top of a display case, you lose your balance. You fall and break your arm. Obviously, you won’t be able to work. For the entire period of convalescence. With Accident Insurance your company will give you an economic contribution. Proportional to the severity of the damage suffered by you.
Important
By subscribing to Professional Liability Insurance you would not be protected in the case described above. Even if you have added the RCO extension. The latter, it is fair to reiterate, only protects those who are third parties with respect to your cleaning company. Legal Protection Insurance, on the other hand, provides you with financial help to support legal costs in the event of disputes with employees, suppliers, or customers.
Not only!
This Policy is activated for your protection even if you want to assert your right against third parties, suppliers, or employees. Finally, if your company has a representative office, it can be very useful to protect your workspace with the Office Policy.
This product, in fact, allows you to ensure your corporate office against countless risks:
- fire and explosion of the building;
- breakdowns of computers and other electronic equipment;
- loss of computer data;
- not only theft of valuables, equipment, and furnishings. But also of the documents kept in the archives of your office or professional studio;
- breakage of glass and pipes;
- damage caused unintentionally to third parties or to your own employees within the office.
Cleaning company: how to open it and how to find customers (Bonus)
The real question a good business owner needs to ask is not so much how to open a cleaning business. But, rather, how to give continuity to his company over time. To answer the first question, just follow the bureaucratic process. The one required by Italian law. And that’s it! To answer the second question, however, we need to carefully evaluate many factors. One of the most important concerns is risk assessment. Those to which your cleaning company is exposed on a daily basis.
How can you really be safe? To work with the certainty of being protected in the event of a claim? One of those that can jeopardize stability?
Simple: just proceed with the stipulation of a Cleaning Company Insurance ! Tailor-made for your company. Another essential aspect to consider when running a cleaning company is this: how do you find customers? Also, in this case, introducing yourself to companies, commercial activities, or condominiums with a Professional Liability Policy for a Cleaning Company can help.
How?
- Coming up with the policy increases the credibility of your cleaning company. Because it provides an anticipation of the firm’s level of professionalism.
- It keeps the business owner safe. Or the condominium administrator, since, should a claim occur for which the company is responsible, the company or condominium in question can receive, through the insurance, the compensation due to them.
