Things to Remember When Starting a Business
A lot of people think that starting up a cleaning business is simple. After all, how difficult can it be to empty a few waste-paper bins, do a bit of washing up, and some dusting and polishing? In essence, it is true that these are fairly simple tasks.
What they fail to realise, however, is that you are working in someone else’s premises and dealing with other people’s belongings. If anything gets damaged, it can have serious consequences. What this means is that amongst the things to remember when starting a business in the cleaning industry, you need to organise cleaner insurance.
Setting-up your new business
The first thing you will probably do is register your business and you’ll find all the basic information you need in the “Setting-up section” on the Gov.UK website. You will also need to apply for a VAT registration number if you anticipate that your business will be earning more than £85,000 per annum.
Something else you must bear in mind too is that if you will be employing staff, so you will have to take on certain responsibilities. The health and safety of staff will need your special attention, but we will come back to that in a moment under the topic of cleaner insurance. In addition to health and safety, you will have to set up a payroll system, and also you will be responsible for contributing towards your employees’ national insurance.
Finding the right cleaner insurance service provider
Coming back to the subject of cleaner insurance there are of course literally thousands of insurance companies to choose from. But it is better to work with a specialist company that has experience with the cleaning industry specifically, rather than a general “Jack-of-all-trades” insurance broker.
No two industries are the same. They all have their own particular characteristics and idiosyncrasies. You will no doubt be surprised at just what you do need to be covered for, and this is where working with a broker that has in-depth knowledge and experience of a particular industry comes into play. The sort of things you need your cleaner insurance to cover you for, include:
- Accidental damage to properties and contents being cleaned
- Loss of cash on site – up to something like £5,000
- Loss of keys and any consequential associated losses
- Employers’ liability insurance
- Public liability insurance
We mentioned health and safety a little earlier. This extends not only to the health and safety of any staff you might employ but you must also consider the health and safety of your clients’ members of staff and/or any visitors that attend the premises you clean. If for example, you or someone who works for you left a trailing electrical lead lying around, and someone was to trip over it and become injured, you would be liable.
The mechanics of health and safety you must be aware of
Your insurance cover must protect you against any financial penalties that follow, but you also need to be aware of this type of danger from the beginning, so that you can train your employees accordingly. You will need to find out about doing risk assessments, and in terms of any cleaning chemicals and agents you store, you will also need to become au-fait with C.O.S.H.H. (Care of Substances Hazardous to Health).
Ensure your cleaner insurance cover protects you from all eventualities
All in all, there are a lot of things to remember when considering starting-up a new cleaning business, and cleaner insurance is one of the most important.
If you choose the wrong insurance provider, and end-up with the wrong cleaner insurance cover, it could cost you dear; so ensure you do your research well.