At Clean Step Mats, we understand that choosing a cleaning company means placing trust in the people working within your property. Appropriate insurance is an important part of operating a responsible and professional cleaning business. We maintain insurance arrangements appropriate to our activities and take steps to ensure our work is carried out responsibly and safely.
Our Insurance Commitment
Clean Step Mats is committed to providing reliable cleaning services for domestic and commercial customers across the UK. Our approach to insurance forms part of our wider commitment to professional standards, health and safety standards, responsible working practices and customer confidence.
Cleaning work can involve entering private homes, offices, commercial premises, new-build properties and construction environments. Our employees and cleaning teams may also work around furniture, fixtures, equipment, flooring and other valuable property. Appropriate insurance helps a business manage the financial risks that can arise from its activities.
We regularly consider the nature of our services and the risks associated with our work when reviewing our insurance arrangements. Where customers or commercial contracts require evidence of insurance, appropriate documentation can be provided on request, subject to the relevant requirements.
Employers’ Liability Insurance
Where a business employs staff, Employers’ Liability Insurance is an important legal requirement in the UK. The law generally requires employers to have Employers’ Liability Insurance as soon as they become an employer, with a minimum level of cover of £5 million from an authorised insurer.
Employers’ Liability Insurance is designed to help meet compensation costs where an employee suffers an injury or becomes ill as a result of the work they carry out for their employer.
For a cleaning company, this is particularly important because cleaning work can involve physical activity, the use of cleaning equipment and substances, working in different environments and exposure to a range of workplace risks. Appropriate insurance sits alongside our responsibility to manage those risks through sensible working procedures and health and safety measures.
Public Liability Insurance
Public Liability Insurance is particularly relevant to cleaning businesses because cleaning teams routinely work on premises belonging to customers and other organisations. Unlike Employers’ Liability Insurance, public liability cover is not generally a compulsory insurance requirement for an ordinary cleaning business. However, it is widely considered an important form of protection for businesses that work with customers or visit client premises.
Public liability cover can help protect a business against certain claims from third parties where injury or property damage is alleged to have resulted from its business activities, subject to the terms, conditions and exclusions of the relevant policy.
For Clean Step Mats, this type of protection is relevant to the environments in which our cleaning services may be provided, including domestic properties, offices, commercial buildings, new-build developments and construction-related sites.
Insurance for Cleaning Work in Customer Properties
Cleaning companies can encounter a variety of risks when working away from their own premises. A team may be working around customers, visitors, contractors, furniture, electrical equipment, flooring, fixtures and other property.
Our approach is therefore based on combining appropriate insurance arrangements with responsible working practices. We aim to identify potential hazards before work begins and take reasonable precautions to reduce avoidable risks.
Insurance does not replace good housekeeping, suitable training, risk management or safe systems of work. Instead, it forms one part of a broader approach to operating a professional cleaning business.
Other Insurance Considerations
The insurance requirements of a cleaning business can vary according to its activities, workforce, vehicles, contracts and the services it provides. Depending on the circumstances, additional forms of insurance may be relevant.
Motor Insurance
Where vehicles are used for business purposes, the appropriate motor insurance must be in place. This includes ensuring that any vehicle used for business activities has the correct level of business-use cover. The precise requirements depend on how the vehicle is owned and used.
Professional Indemnity Insurance
Professional Indemnity Insurance is generally associated with businesses providing professional advice or services where a client could suffer financial loss because of an error or omission. It is not normally a compulsory insurance requirement for a standard cleaning company, although particular contracts or services may make this type of cover relevant.
Product Liability Insurance
Product Liability Insurance can be relevant to businesses that manufacture, sell or supply products that cause injury or illness. Whether this cover is appropriate to a cleaning business depends on exactly what the business supplies and how its services operate.
Contract-Specific Insurance
Commercial customers, managing agents, construction companies and public-sector organisations may set their own insurance requirements as part of a contract. These requirements can specify particular types or levels of cover, so we review contractual requirements where applicable and ensure that any relevant insurance obligations are considered.
Insurance and Health & Safety
Having insurance is only one part of running a responsible cleaning company. Clean Step Mats also recognises the importance of appropriate health and safety procedures when carrying out cleaning work.
Our working practices are designed to take account of the environments in which our teams operate and the potential risks associated with cleaning activities. This includes considering workplace hazards, using appropriate equipment and following suitable procedures when handling cleaning products and equipment.
We believe that responsible risk management benefits everyone involved. It helps protect our employees, customers, members of the public and the properties in which we work.
Providing Evidence of Insurance
We understand that customers may wish to confirm that a cleaning contractor has appropriate insurance before allowing work to commence. This can be particularly important for commercial premises, construction projects, property managers and organisations operating formal contractor approval procedures.
Where appropriate, Clean Step Mats can provide relevant insurance documentation to customers or contracting organisations who require evidence of cover. Any documentation provided will reflect our current insurance arrangements and the terms of the applicable policies.
We do not rely on insurance as a substitute for professional conduct. Instead, we regard insurance, health and safety, competent working practices and clear communication as important elements of running a dependable cleaning business.
Keeping Our Insurance Appropriate
Insurance needs can change as a business develops. New services, additional employees, changes in equipment, vehicles, premises or contractual requirements can all affect the type and level of cover that may be appropriate.
For this reason, insurance arrangements should be reviewed periodically and whenever there is a significant change to business activities. Clean Step Mats takes this approach to help ensure that its insurance arrangements remain appropriate to the work being undertaken.
Why Choose an Insured Cleaning Company?
Choosing an appropriately insured cleaning company gives customers greater confidence that they are dealing with an established and responsible service provider. It is particularly relevant when cleaning teams are working inside occupied properties, commercial buildings or construction environments.
At Clean Step Mats, we recognise the importance of earning that confidence. Our commitment extends beyond completing a cleaning job. We aim to provide a professional service supported by responsible business practices, appropriate risk management and suitable insurance arrangements.
Questions About Our Insurance?
If you require confirmation of our current insurance arrangements before booking cleaning services, please reach out to our team. We can discuss your requirements and, where appropriate, provide relevant insurance documentation for your records or contractor approval process. You can also get more information about how we use cookies from our website.
For commercial projects and larger contracts, we are also happy to discuss any specific insurance requirements that need to be considered before work begins.
Clean Step Mats is committed to providing professional cleaning services with the responsible business practices our customers expect.