When it comes to cleaning insurance cover you want protection of the highest quality, ensuring you’re safe in your day-to-day job from the risks that a modern cleaner will face. Though purchasing a wealth of different covers to keep you covered could end up costing you more than you’d bargained for. In this blog we’ll explore how you can save on your cleaning insurance cover whilst retaining a high-quality policy. If you have any questions or would like a cleaning insurance quotation, then give us a call on 01562 227 532 or head here for our full contact details
Combine Your Individual Policies
As a cleaner you’ll likely require a range of different policies, from several types of liability insurance to add-ons such as tools cover and loss of keys protection. Before realising, you’re suddenly paying out to several different companies for your cover whilst also investing time to renew and amend your policies. Well, by combining your policies together you can gain a more affordable premium and gain back that wasted time.
With all your policies under one roof, you can often gain a lower premium from the insurer, putting money back in your pocket. Add on to that the additional convenience of having your policies with one insurer, and it can be a lucrative move. Better yet, you’ll only have one renewal date and one contact point for amendments.
Speak To An Independent Insurance Broker
We know what you’re thinking, of course you’d say that! But it holds weight, speaking to an independent insurance broker can save you money across your policies. With an independent broker, you’re offered a wider range than a dedicated insurer will be able to offer as they’ll have access to a large amount of insurers.
Better yet, they’ll be able to scour the market to find an affordable policy that meets your exact requirements rather than offering a one-size-fits-all policy. Meaning you’ll benefit from a neutral party offering you choice to find a tailored policy for you. Want to speak to an independent insurance broker? Give Coversure Kidderminster a call on 01562 227 532 or head here for our full contact details
Accurately Calculate Your Required Cover Levels
We’ve previously created a blog highlighting what cover you’ll need as a cleaner, though your cover levels could differ entirely based on what type of businesses you clean. Make sure to take into account your cover levels when enquiring about your insurance cover to avoid overinsurance or underinsurance.
Being overinsured will mean you’re paying for a level of cover you simply don’t need, it’s better to be safe than sorry but why waste money on cover that protects you against a cost you’ll never reach?
At the opposite end of the spectrum is underinsurance, something you’ll drastically want to avoid. If you have inadequate insurance cover, in the case of a claim you may not be covered for the full amount and could therefore end up out of pocket.
Taking the time to figure out the best cover levels to suit you could save you a wealth of money in the long run, whilst ensuring you’re accurately covered.
Take Care In Your Day-To-Day Role
One of the main components to rising insurance costs is making a claim. So, by taking more care on a daily basis, you can ensure you rack up a strong reputation with your insurers as a reliable cleaner who is unlikely to require a claim. Obviously accidents do happen, and these can be outside of your control, though by being as careful as possible you’re doing all you can to keep those costs low.
Increase Your Excess
Although it’s not necessarily something we’d recommend, increasing your excess can lower your insurance premium. Though you will be required to pay the excess in case of a claim, if you’re confident you won’t need to claim it can be a handy way to lower your payments.
Consider what excess you would be happy with and then explore how much it could save you, it may not be worth your time.
Contact Coversure Kidderminster
We hope the above has explained a few ways you can lower your insurance costs as an cleaning company so you can continue to be protected with an affordable premium. Though if you have questions on other ways you can save, or simply want a quotation for your cleaning insurance, then get in touch with us today. You can call us on 01562 227 532 or head here for our full contact details