A summary of the covers available are shown below:
Eligibility The contract is available to Sole Traders, Partnerships and Limited Companies operating within the Cleaning Industry. Public & Products Liability Limits The policy has three options:
£1,000,000 £2,000,000 or £5,000,000
However, if a limit of £10,000,000 is required, we are able to provide a separate policy.
Employers’ Liability A standard limit of £10,000,000 applies. 
Treatment Risks: This extension provides cover for legal liability for damage caused to third party property caused by the incorrect application of cleaning products to soft furnishings including carpets, curtains and upholstery
Treatment Risks This extension provides cover for legal liability for damage caused to third party property caused by the incorrect application of cleaning products to soft furnishings including carpets, curtains and upholstery
Damage to Property Being Worked Upon This extension is included as part of the treatment risk extension and provides cover for legal liability in respect of damages caused to customer’s property whilst being worked upon
Eligible Trades
- Carpet & Upholstery
- General Cleaners -domestic, commercial and industrial premises
- Drain Cleaning including repair, maintenance and excavation work
- Wheelie Bin Cleaners for domestic use
- Pressure Water Washing & Jetting (considered)
- Window Cleaning - including work above 10 metres
Excesses Employer’s Liability: NilPublic Liability: The standard excess is £250 although you may select a higher amount. It may also be increased depending upon your business activities and claims history. Details will be shown on the proposal form supplied with our quotation. Premiums The minimum premium is £262.50
The premium charged is minimum and deposit. In the event of cancellation, no return premium will be allowed.
Territorial Limits United Kingdom , the Channel Islands or the Isle of Man. Declarations The premium is based upon your estimated turnover, wage roll and payments to sub contractors for the forthcoming insurance period. At the expiry date of your policy, we will ask you to declare the actual figures for the period of insurance. Where the declared figures are higher than those estimated, you will be asked to pay an additional premium. If the figures are lower than those estimated, no return premium will be allowed
Insurer The policy is underwritten by Casualty & General Insurance Company ( Europe) Ltd. (Reg. No.89400)
A Gibraltar domiciled Insurance Company, authorised and regulated by the Financial Services Commission Gibraltar, www.fcs.gi and is regulated to trade in the United Kingdom with the Financial Services Authority (FSA), www.fsa.gov.uk. FSA Number230920
Compensation C&G Limited is a member of the Financial Services Compensation Scheme. This provides compensation in case the company goes out of business or into liquidation and are unable to meet any valid claims under its policies.
The first £2000 of a claim is protected in full. Above this threshold, a minimum of 90% of the remainder of the claim will be met. Further information can be obtained from us or the Financial Services Authority.
Loss Of Keys Available as a separate policy arranged through Keycare Limited. The policy provides loss or theft of keys up to a certain amount. Plant & Equipment: Available as a separate policy. The policy provides All Risks cover to cleaning equipment and materials anywhere in the UK. For more information or to receive a quotation, please complete and return our on-line Cleaning Quote Form.
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