$10M
public liability cover, held by Shining Services
Our policy responds to third-party property damage and personal injury arising from our cleaning operations. It is the cover almost every commercial contract, strata scheme and landlord asks to see. The certificate of currency is yours on request, and can name your entity as an interested party where your contract requires it.
Four things worth knowing before you file our certificate, including the one most cleaning companies leave you to discover at claim time.
Our public liability policy responds to third-party property damage and personal injury arising from our cleaning operations. It is the cover almost every commercial contract, strata scheme and landlord asks to see. A certificate of currency naming the limit and the period is yours on request, and can be issued with your entity named as an interested party where your contract requires it.
Cleaners engaged as contractors hold their own public liability cover. The certificate is uploaded during onboarding, verified by our team against the policy period, and recorded with its expiry date. Cover is confirmed before a first visit and re-confirmed at renewal, rather than assumed for the life of the contract.
An insurance certificate is a snapshot of one day. Ours are held with their expiry dates and chased before they lapse, and a contractor whose cover has expired is not eligible to be rostered. The common failure in this industry is not uninsured cleaners. It is cleaners who were insured on the day they were hired.
No policy covers everything, and being told that at claim time is the worst way to learn it. Pre-existing damage, wear from normal use, items of unusual value that were not declared, and work outside the agreed scope sit outside a public liability response. Tell us what is irreplaceable in your building before we start and we will write the handling into the scope.
Most damage is settled directly and quickly. The process is the same whether it ends with a repair or with an insurer.
Stage 01
Breakages and damage are reported the day they happen, with photos and the visit they belong to. Our crews are trained to report rather than hope, so you should hear it from us first.
Stage 02
The incident is recorded against the site, the visit and the crew, with the evidence attached. That record is what makes a later claim quick instead of a disagreement about dates.
Stage 03
Small damage is repaired or replaced directly. Most matters are settled this way, without troubling an insurer or an excess. You are told which route we are taking and when it will be done.
Stage 04
Where the value warrants it, the claim goes to our insurer with the record already assembled. We stay the point of contact, because you should not have to chase a cleaning company's underwriter.
Insurance pays for the accident. These are the controls that stop it, and they are the reason our claims history stays short.
Insurance is the last line, not the plan. The controls above are what keep a claim from being needed, and they are documented in full on our compliance page, with the checking that sits on top of them set out under quality assurance.
Ask once and the set arrives together, usually the same business day. If your procurement team has its own form, send it and we will complete yours rather than hand you ours.
