Insurance Policy

Carpet Cleaners

RESULT OF FAULTY WORKMANSHIP

Example – Whilst working on a carpet you damage it, you are covered.

PRODUCTS LIABILITY

Example – You use a cleaning liquid that is incorrectly mixed by the manufacturer and it damages the carpet, you are covered.

GOODS IN CUSTODY

Example – You take a rug back to your premises to be cleaned & it is damaged or stolen due to your negligence, you are covered.

ATTACHMENT TO A REGISTERED VEHICLE

Example – Most public liability policies exclude claims arising from attachments to a registered vehicle, eg. Someone trips over a hose attached to your van. With our policy you would be covered.

LEGAL COSTS

The policy includes legal costs in addition to your limit of indemnity.

PRINCIPALS INDEMNITY

Many principal contractors require cleaners to provide them with protection should the cleaners cause a problem and they become vicariously involved. Often it is written into a contract and overlooked so our policy automatically covers it for you.

TAX AUDIT

Should the ATO carry out an audit of your income tax returns, you are covered up to $5,000 for the accountants and other costs incurred in providing information and documentation.

TRANSIT

Example – When transporting customers goods to and from your premises and the goods are damaged due to your negligence, you are covered.

MONTHLY PREMIUM PAYMENTS

Great for your cash flow.The policy wording has full details of cover and exclusions. Depending on your occupation, the policy wording may change to meet your individual requirements.

TOOLS OF TRADE, INJURY & ILLNESS, INCOME PROTECTION AND MOTOR VEHICLE COVER

Also designed specifically for your requirements.

PUBLIC LIABILITY PREMIUM

$500 for $5,000,000 cover and $600 for $10,000,000 cover

TOOLS & STOCK PREMIUM

$275 for $7,500 cover

INJURY & ILLNESS PREMIUM

$490 for $700 a week cover

INCOME PROTECTION

Talk with our Financial Services experts for an indication of price and cover

PUBLIC LIABILITY POLICY ADVANTAGES

The premiums shown are indicative only and are dependent on claims history and multiple factors including type of business, turnover, occupation, sums insured, excess, and any government charges. Any advice provided here does not take into consideration your objectives, financial situation or needs. Terms, conditions, limits and exclusions also apply. Before making a decision, please consider the relevant Product Disclosure Statement, available for download here. Please ask us for more details before we provide you with our services. Details of services provided by imar are available in our FSG here.

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