16 Apr CRM Brokers’ Cleaners’ Bucket

Posted at 05:47h in Cleaners Insurance, News by

ARE YOU PUZZLED BY YOUR CLEANERS INSURANCE?

CRM Brokers is a leading Australian insurance broker specialising in the building services industry since 1999. Since that time, the industry has evolved and so too has our insurance solutions.

CRM Brokers’ Cleaners’ Bucket insurance program mixes Public, Product and Professional Liability into an all- in-one package targeted to the unique needs of the building services industry, from small to large businesses.

When added to your Public Liability program, the unique package adds four further dimensions: Advertising Liability, Professional (Indemnity) Services, Directors & Officers Liability and Employment Practices Liability. CRM Brokers’ Cleaners’ Bucket was developed to address business pressures and issues such as:
• Gaps between currently available liability products
• Increased litigation overall
• Uninsured exposures
• Contractual requirements and statutory requirements
• Business diversification
• Need for several policies for full coverage
• Corporate governance demands
• Financial losses that go beyond total business assets
• Legislation enforcement
• Attention to detail on business risk and management

Click here to complete our Cleaners Liability Proposal Form and one of our experienced brokers will contact you with a quote.

Cover arranged through CRM Brokers’ Cleaners’ Bucket includes:

Shopping Centre cleaning

Arcades and Mall cleaning

Food Court cleaning

Specialist cleaning e.g. Airports & Mine sites

Pay by the month option^

Your choice of Excess*

^ conditions apply
* subject to underwriting terms and conditions

How can CRM Brokers’ Cleaners’ Bucket work for you?

Enjoy the peace of mind that CRM Brokers’ Cleaners’ Bucket provides to prevent financial loss in the event of a claim against you for these important insurance covers:
Public Liability protects your legal liability to pay compensation for Personal Injury and Property Damage claims arising from your business activities.
Product Liability protects your legal liability to pay compensation for Personal Injury and Property Damage claims arising from your products or services.
Advertising Liability protects your legal liability to pay compensation for claims arising from your advertising activities.
Employment Practices Liability protects your legal liability to pay compensation which may be incurred through your Employment related activities.
Professional Services protects your legal liability to pay compensation which may be incurred through the conduct of your business.
Directors and Officers provides personal protection to directors and officers by protecting them against legal liability which they may incur whilst carrying out their duties as a company director or officer.

Plus additional classes:
1. Penalties arising from a claim by a regulatory authority up to $250,000 in the aggregate
2. Fidelity cover up to $250,000 in the aggregate

Normally, these policies are purchased individually. If you have a number of different liability insurance policies for your business, or have gaps in your liability cover, you’ll welcome CRM Brokers’ Cleaners’ Bucket combined cover, in one affordable package.

Case Studies
A contract cleaning company fails to fulfil their obligations in cleaning and returning an entertainment venue to a fit and proper state by the required time. As a result, the venue is not able to be used for the next show, resulting in a financial loss to the venue, the promoters and the artists.
A contract cleaning company fails to fulfil their obligations in cleaning and returning an entertainment venue to a fit and proper state by the required time. As a result, the venue is not able to be used for the next show, resulting in a financial loss to the venue, the promoters and the artists.

CRM Brokers’ Cleaners’ Bucket provides financial loss cover not arising from personal injury or property damage.

A commercial contract cleaning company fails to correctly clean a hospital, rendering the facility unusable for a period of time. Financial loss is suffered by the hospital for the period the facility is out of operation.
A commercial contract cleaning company fails to correctly clean a hospital, rendering the facility unusable for a period of time. Financial loss is suffered by the hospital for the period the facility is out of operation.

CRM Brokers’ Cleaners’ Bucket provides financial loss cover not arising from personal injury or property damage.

A cleaning company provides advice in respect of the most appropriate cleaning agent to be used for commercial floor cleaning. A customer follows the advice, though the agent creates a slippery surface leading to injury.
A cleaning company provides advice in respect of the most appropriate cleaning agent to be used for commercial floor cleaning. A customer follows the advice, though the agent creates a slippery surface leading to injury.

CRM Brokers’ Cleaners’ Bucket provides comprehensive liability cover whether or not the advice is provided for a fee.

Shareholders take action against a business manager for poor decision-making and poor performance.
Shareholders take action against a business manager for poor decision-making and poor performance.

CRM Brokers’ Cleaners’ Bucket responds to claims against Directors and Officers where they breach their duty in the course of their daily business activities.


Limits Available:
• Public and Products Liability – up to $50,000,000*
• Professional Liability – up to $10,000,000
• Directors & Officers – up to $10,000,000
• Employment Practices – up to $5,000,000

Click here to complete our Cleaners Liability Proposal Form and one of our experienced brokers will contact you with a quote. For more information regarding how CRM Brokers’ Cleaners’ Bucket can work for your business or to obtain a copy of the policy wording, contact us on 1300 880 494.

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Important Notice

This article provides information rather than financial product or other advice. The content of this article, including any information contained in it, has been prepared without taking into account your objectives, financial situation or needs. You should consider the appropriateness of the information, taking these matters into account, before you act on any information. In particular, you should review the product disclosure statement for any product that the information relates to it before acquiring the product.

Information is current as at the date the article is written as specified within it but is subject to change. CRM Brokers make no representation as to the accuracy or completeness of the information. Various third parties have contributed to the production of this content. All information is subject to copyright and may not be reproduced without the prior written consent of CRM Brokers.

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