Liability insurance

• What to insure

  Liability to client for property damage (broken equipment, flooding, scratched floor) — the core cleaning risk.

• Limits & deductible

  Per-event limit should cover expensive sites (office with equipment — from 100k); a deductible lowers premium.

• Exclusions

  Typical exclusions: staff theft (separate fidelity cover), wear-and-tear, work without PPE.

• Without cover

  Without insurance, liability sits in the contract — define liability caps and damage assessment procedure.

A liability policy costs roughly 1–3% of the limit per year. For B2B contracts (offices, retail) insurance is often a mandatory tender requirement — keep the policy current before bidding.