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Keeping the building and grounds clean and in good working order is top priority for every caretaker. Because your to-do list can be varied and diverse, you need an insurance policy that covers a range of circumstances, tailored to you.
If, for example, you left cleaning supplies out or forgot to put up a wet-floor sign and someone tripped or slipped, your caretaker insurance could cover potential claims against you.
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Depending on your clients and properties, any of these covers can be combined to create a good tailored caretaker insurance policy:
Public liability insurance is an important consideration for anyone who works in a public place. If someone is injured, or if you accidentally damage property – for example by spilling bleach on a carpet – then you might be held liable. Public liability insurance can cover the costs of medical bills, legal fees and compensation payouts.
Employers’ liability insurance is a legal requirement for most businesses who employ staff, so if you employ other caretakers you may need this cover. It can help protect you if an employee makes a claim for an injury at work, such as an illness caused by inhaling cleaning chemical fumes.
Depending on the type of caretaking you do and where you work, you may have specialist tools that you want to keep safe. Tool insurance from Simply Business can cover against damage and theft, allowing you to get back to business quickly if something went missing.
If you were injured in an accident, would cashflow be a problem? Personal accident insurance could help with this, keeping business ticking over until you’re back on your feet. Plus, our personal accident cover is 24 hour. So even if you’re injured outside of work you can still make a claim.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.