Rug Upholstery and Carpet Cleaning Insurance
If you are a business owner and have employees you need Upholstery and Carpet Cleaning Insurance. Your employees work hard on your premises, so it is important that they are protected from accidents on the job which could result in serious personal injuries and even death. In addition to this if a client slips and falls on your property it is your legal and moral responsibility to clean the mess and remove the footwear.
Many cleaning services offer complimentary upholstery and Rug carpet cleaning services for clients who visit their premises. Free upholstery and carpet cleaning services are usually available at a private hire shop, or you may find that you need to book in with your local Upholstery and Carpet Cleaning Insurance company. When you book with Upholstery and Carpet Cleaning Insurance it is essential that you confirm that the insurance company will cover the cost of your upholstery cleaning or carpet cleaning service within the timeframe specified by them. It is advisable to clarify what exactly is covered by the policy.
When using an upholstery or carpet cleaning company to clean your commercial premises, there are two main types of policy which you will need to choose from. These are either stand-alone contracts or mixed policies. A stand-alone contract is designed to cover your company solely for your employees and their related exposures. For all other staff members and their employers joint commercial insurance policies are available. With a joint commercial policy your company is protected for both employees and employers.
When working with upholstery cleaning services there are a number of things which can go wrong. If a client suffers an accident whilst in your company’s premises then it is likely that they will bring claims for medical expenses, loss of income and pain and suffering. The only protection offered by most upholstery cleaners’ insurance policies is for public liability. Public liability coverage covers for damage which is caused to a customer’s private and commercial property, for which the client is legally responsible. For example, if a customer slips and falls on a dirty floor in your store and he or she is injured because of the poor state of the floor, then you may have to pay out for medical expenses and pain and suffering.
Upholstery and carpet cleaning insurance policies also protect your employees. In the event that a worker is injured while operating in your building then the insurance will cover all medical and funeral expenses. An example of this would be if a carpet cleaner was crushed to death whilst trying to remove a mat of urine from a tenant’s flat. The insurance would payout for the cost of the carpet cleaning, including any outstanding bills from the funeral and legal costs.
Another major advantage of a rug upholstery and carpet cleaning insurance policy is the protection it offers you for business interruption. For example, if you were having carpet cleaning completed and the customer were to complain of an injury as a result of your work, then your insurance policy can cover you for this. If one of your employees were to slip and fall whilst working on a customer’s property, then you are covered. For the contractor, it will protect him or her for liability. For the customer, it gives them peace of mind that their home will not be ruined by someone else’s negligence.