What is the best RC household cleaning?
Are you opening a cleaning company or starting out as a self-employed person and wondering about the insurance essential to your activity? What are the main risks in your business? When do you become responsible? We explain everything to you and give you the list of the best insurances for the household and cleaning trades.
Summary
How much does professional household cleaning insurance cost?
How does Pro Liability Insurance work for a cleaning company?
What are the guarantees for professional household cleaning insurance?
What activities are covered by cleaning insurance?
Cleaning and cleaning company, what other insurances to think about?
How much does professional household cleaning insurance cost?
Many insurers offer a professional civil insurance contract for the household cleaning activity.
Here we present the three contracts with the best value for money.
Hiscox
Guarantees
RC Pro
Optional legal protection
RC Optional operation
Cyber warranty optional
Opinion
The cheapest contract on the market for cleaning / household jobs
No deductible and ceiling of 100,000 euros.
Rate
175.50 € / year with the broker Coover
AXA
Guarantees
RC Operation
RC Pro
Defense and appeals
Opinion
Free monthly payment and electronic signature.
Ceiling of 100,000 euros
Rate
270 € / year with the broker Coover
(180 € / year for self-employed people)
Solly Azar
Guarantees
RC Pro
RC Operation
Optional damage package
Opinion
Ceiling of 250,000 euros
Rate
€ 233.20 / year with the broker Coover
RC Pro Cleaning Award
The prices presented correspond to basic professional civil insurance contracts.
The insurance premium may be higher depending on the options subscribed and the legal form of your business (cleaning company or self-employed cleaning staff).
How does Pro Liability Insurance work for a cleaning company?
The cleaning / household trades are not regulated activities, therefore professional civil insurance is not compulsory. However, it comes highly recommended and will often be required to participate in calls for tenders or to work with certain clients.
The cleaning / cleaning RCP protects you in the event of material, immaterial and bodily damage caused to a third party during your professional activity. This damage can be caused by you, your housekeepers, the products used or your equipment.
The cleaning activity exposes you to various risks, here are a few examples:
you use a product that damages the building you cleaned;
you do not show that the floor is slippery and a person slips and gets injured;
Thanks to this coverage, in the event of a claim, it is the insurer (and not you) who will compensate the victim of the claim.
What are the guarantees for professional household cleaning insurance?
Household or cleaning insurance contracts contain different bases of guarantees, whether or not included in the basic cover:
Professional household civil liability
Main risks
Misdiagnosis or any complaint from a patient.
Probability
High
Comments
This guarantee may be required if you share a practice.
RC Operation
Main risks
A patient slips and gets injured in your practice.
Probability
High
Comments
The operating liability is a more general guarantee that covers general damage related to the life of the company
Defense and appeals
Main risks
You are ordered to pay legal costs
Probability
Weak
Comments
Rarely used but very useful because of the amounts involved in the event of a procedure
Juridic protection
Main risks
Dispute with a patient that you must resolve with a lawyer
Probability
Medium
Comments
Warranty often available as an option but rarely in the base base
In fact, household RCP insurance may be required by certain professional customers.
What activities are covered by cleaning insurance?
Professional household cleaning insurance is a specific contract which covers the following activities in particular:
cleaning and routine maintenance of buildings, shops and sports establishments;
cleaning, housekeeping and ironing in private homes;
window cleaning;
professional vehicle cleaning.
The contract is aimed at all types of company: self-employed cleaning service, cleaning company, maintenance worker, rope access technician, housekeeper, housekeeper, housekeeper, etc.
Cleaning and cleaning company, what other insurances to think about?
Mutual health
Status
Faculty
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