Carpet & Office Cleaning Insurance

You’re a professional with plenty of experience but when mopping tiled floors or polishing valuable antiques, accidents do happen!

At Alcumus SafeContractor Insurance Service, we understand that it’s important to make sure that you and your company are adequately covered by your insurance policy. As well as our standard policies we offer specific cleaning industry policies to cover you from all angles. The right cover will help protect your business from potentially devastating financial consequences caused by complaints or incidents that arise during your time at a client’s property, including:

  • Damage to valuable items
  • The use of toxic products
  • Injuries to employees which could leave you responsible for resulting legal fees and compensation claims.

Don’t leave your company vulnerable, take out specialist insurance cover today with our exclusive offer.

Receive a £50 high street voucher* for taking out a second policy with us. This applies on a Car, Home or Van policy.

Submit your renewal date here

Does your insurance cover the following?

Public and product liability
In the cleaning industry many mistakes can happen whilst carrying out your daily tasks. Whether that is knocking over expensive items with the cord of your vacuum, or accidently spilling cleaning products which stain the carpets. Our Public and Products Liability policy will protect you by paying the legal defence costs and compensation payments where you are alleged to have caused accidental bodily injury or damage to property.

Employers liability
All employers are legally required to have Employers Liability cover. If one of your employees uses a toxic cleaning product that leaves them ill or injures themselves knocking a large object, our Employers Liability cover will protect your business from compensation claims of up to £10 million arising from an incident during their employment as a result of your negligence.

Professional indemnity 
If your company specialises in providing advice, designs or offers a professional service to clients, then you know it’s possible for mistakes to happen, but these mistakes can lead to clients suffering a financial or professional loss. If you provide advice on specific carpet or floor cleaning products that turn out to be inadequate and/or cause staining, or advise a client to use cleaning tools/machines on fragile materials that cause damage, then our professional indemnity policy will cover you for compensation claims and legal fees due to your negligence.

Damage to property being worked upon
When cleaning a home or commercial building with large, expensive equipment any incident can occur. Breaking or cracking a fragile item while directly cleaning it, scratching TV screens and windows or using the wrong cleaning products on carpets that lead to damage or stains in someone’s home or work place can be financially devastating, but our policy will cover you for legal fees in respect to any loss or damage at a property.

Keys cover
The nature of your business means you’re likely to have a set of keys to access a client’s property. Between jobs and going between houses to your van to collect your cleaning products, you may lose a set of keys. In this line of work, it’s best to be safe and have cover to protect you from any replacement lock fees or call-out charges that will be needed.

Tools and equipment
Not only are your tools crucial to your day-to-day activities, but you have spent years investing significant sums of money in them. So, there is a huge impact to your business if they are lost or stolen. Alcumus SafeContractor Insurance Service understands that replacing your tools all at once could be financially devastating. Making sure you have your tools covered will allow you to get back to work without the financial worry.

Legal expenses
Having Legal Expense insurance provides protection against costs that could arise from legal action placed against your company. Examples of such legal action include; becoming involved in a civil claim dispute with an employee or client for damage to a property, or your company being taken to court due to an accident injuring someone.

Directors & officers insurance
Directors and key managers (officers) can make mistakes and are often personally liable for them. The core purpose of a D&O policy is to provide financial protection against legal costs (including compensation) for directors or key managers against the consequences of actual or alleged ‘wrongful acts’ such as; breach of trust, neglect, errors, and misleading statements when acting on behalf of their company. This policy will protect their personal assets should this go to court.


Terms and conditions
*£50 high-street voucher: Offer available to existing customers only who employ up to 15 people. Only one voucher per policy. A voucher code for will be issued 30-90 days after your policy inception date and you must make sure a valid email address is given on date of purchase. Not to be used in conjunction with any other offer. This offer is only available over the phone and we will not award if you cancel your policy within the first month. This offer expires 31st December 2017. SafeContractor Insurance Service reserves the right to withdraw or alter this promotion without prior notice at any time.

Alcumus SafeContractor Insurance Service is a trading name of Towergate Underwriting Group Limited. Registered in England No. 4043759. Registered Office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Towergate Underwriting Group Limited are authorised and regulated by the Financial Conduct Authority.