All professionals in a sector always need a life jacket that protects them in cases of damage and accidents, a safe haven to turn to in case of an accidental event beyond their reach. Even a cleaning company may need to protect itself against accidental damage occurring during cleaning work at a company or condominium in which it is employed and for this reason, having insurance that covers various damages turns out to be a real solution. optimal and advantageous.
But for what purpose is it important and what does insurance cover? Before signing, it is in fact necessary to know some more details that allow you to protect yourself, for various reasons. First of all, knowing what you are protected against, what are the damages that can actually be reimbursed by this, and what are those that are due to the owner or to the employees of the company. Secondly, depending on the needs, it will be possible to choose what to insure us.
When we talk about insurance for a cleaning company, we are not referring only to that relating to employees, for that it is also possible to contact the competent bodies. It is more about insurance that protects the company from third parties, whether it be accidents or damage to things or people, during cleaning. Accidental damage can occur at any time, despite the professionalism of the operators, and the extent of the expense can never be known in advance. Precisely for this reason, insurance also allows employees to live their work more peacefully.
But let’s find out in more detail everything you need to know about insurance policies, what damages are covered by them and, above all, if it is a compulsory insurance for the cleaning company.
Cleaning company insurance: is it mandatory?
Let’s start with what is perhaps most important to any owner of a cleaning company: is insurance mandatory? To get straight to the point, no, insurance is not mandatory, however, it is recommended and necessary to protect yourself and manage your company in peace without the thought of any damage.
When you subscribe to this type of Soclean insurance, in fact, we are talking about RCT, or a Third Party Liability policy that protects the employer first and foremost, but also the employees. In this way it will not be necessary, in cases of damage or accidents, to have to face expenses independently, unforeseen conditions that are often unsustainable for the employer, also affecting personal assets.
Taking out a civil liability insurance policy against third parties turns out to be very important for the company that works in companies and condominiums for which it is always necessary to be covered in the event of an accident involving things or people.
The professionalism of its employees undoubtedly helps to limit, as far as possible, any type of claim. But at work, no one can rule out the possibility that some mistake or some distraction may occur. It is precisely in these cases that the policy takes over which, although not mandatory as mentioned above, has all the characteristics of a similar one, covering the compensation due to third parties.
What does the insurance cover?
But in detail what does third-party compensation insurance signed by a cleaning company cover. We could reduce it by saying that coverage is provided for a whole series of small and large accidents to which a cleaning company can be subject, not through negligence or inattention but through actual chance.
The employer, however, is required to know every type of coverage that allows him to protect himself in the event of damage or accident caused to employees or by them to third parties, whether it be people or things.
An example is the loss of the tender keys. In many cases, in fact, the cleaning companies are provided with the keys to the system where they carry out the cleaning when it comes to an office cleaning contract or cleaning of doctors ‘ offices or condominium cleaning. The loss of keys is a coincidence that, although remote, cannot be excluded and, in this case, the cost of changing the lock can prove to be really exorbitant for the employer of the cleaning company. Third-party liability insurance also covers this eventuality.
Cleaning Company Insurance: loss of contract keys
Other insurance coverage is provided in the event of accidental breakage of objects or things. In fact, by cleaning it is not uncommon for these unpleasant accidents to occur. As mentioned before, the professionalism of the employees limits this possibility to a minimum, but having coverage in the event of an accident is always convenient. You never know in advance the value of the damaged object.
Inattention can also occur when the cleaning company finds itself eliminating something. Incorrectly throwing a document or object may not lead to particular problems, or it may represent damage to the company or condominium where you work. This eventuality is also covered by the insurance policy and allows you to protect yourself in the event of exorbitant costs of the object to be compensated.
In the same way, the flooring of the structure could be accidentally damaged due to accidental spillage of liquids or products not suitable for it. The redevelopment of the flooring, especially in the case of companies where it is necessary to give a certain image, can prove to be a cost beyond the reach of the employer or employee who accidentally caused the damage. In these cases, the insurance policy for compensation against third parties intervenes.
Another field of coverage of the policy is in the event of damage caused to third parties due to improper use of the equipment by the operator. A little carelessness can cause some unexpected accidents. An example may be having delayed the posting of the sign informing about the current conditions of the floor, perhaps wet and with slippery detergents. In that case, the fall of a third party falls within the carelessness of the cleaning company and in the event of a claim for damages, in order not to burden the assets of the company or the employer itself, an insurance policy can prove to be a significant advantage.
What happens in the event of accidents and damages?
Whatever insurance policy the cleaning company chooses to take out, it will be valid from the following day. This implies that immediately the employer is able to protect himself and his employees with the insurance both from physical injuries of the same, and in the event of accidental damage or accidents caused to third parties.
But what happens in the event of an accident or damage? So far we have talked about the theory and what is covered in the case of insurance. But how does it actually work?
In the face of a possible case of accident or damage, the employer, who is also the natural person who has signed the insurance policy, is required to immediately notify the insurance company to which it is addressed. The notification of the deed, or the communication of the accident or damage for which compensation is requested, must take place within 3 days, at most 5 in particular cases expressed by the individual insurance companies.
It is the right of the insured, or of the cleaning company, to be assisted by a lawyer if conflicts with the insurance arise. Following the communication, in fact, the insurance quantifies the damage, or the declaration of what is actually due to the cleaning company on the basis of the damage or accident caused accidentally. It is not uncommon for conflicts to arise on these occasions, but by relying on a valid policy this risk is almost nil.
However, there are not rare cases in which, following compensation from the insurance, the rent increases, and the employer feels the need to cancel the policy. This is in its full power, but following the complaint, it is necessary to wait until the 60th day following the payment or refusal of the indemnity. The latter is a possibility that belongs to the employer. The communication of the accident, in fact, does not foresee the obligation to pay compensation, as the damage could be minimal and therefore not very convenient for the insurance to compensate.