What we can cover

If you clean people’s homes or apartments or run a business employing domestic cleaners, Public & Products Liability Insurance (available under an AAMI Business Insurance policy) can provide cover for common third party injury and property damage risks:

• A customer accidentally slips on a freshly mopped floor and is injured.
• You spill a cleaning agent on a client’s carpet causing permanent damage.
• You drop a bucket of water near an electrical outlet causing damage to your client’s appliances.
• A cleaning product you use causes an allergic skin reaction in a client.
• A client claims damage to wood furniture after a product you used caused discolouration.

What’s not covered

• Workers Compensation – for example, your employee is injured while cleaning a client’s home. This would typically be covered under Workers Compensation Insurance.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Professional Indemnity – for example, your customer is unhappy with your cleaning and wants a refund.
• Damage to your own property – for example, you drop and damage your vacuum cleaner. More information on damage to your own property