Provide is the easiest, quickest, & most affordable way for cleaning companies to get insured. A comprehensive Cleaners Insurance policy starts with protecting your employees if they get Covid-19 infections, or suffer injuries while working. It also protects your business if you damage other people’s property, or injure others. Get coverage online today, in just minutes.
Coverage | Explanation | Importance for cleaners |
Protects your employees if they suffer work-related injuries/sickness. Includes coverage for work-related Covid-19 infections. | Legally required for all manual workers (e.g. cleaners), or workers who earn <$2,600/month | |
Protects you against liability to third-parties for property damage or injuries. Â | Critical | |
Protects your business premises against property damage, e.g. fire, explosions, certain types of water damage, etc. | Critical if you have a commercial space | |
Protects your business if your foreign workers require medical treatment. | Legally required for all S-Pass and Work Permit holders |
Work Injury Compensation Insurance: MOM requires you to insure all manual workers, and workers who earn $2,600/month or less. Cleaners would be considered manual workers. Strongly consider insuring every member of your company.
Public Liability Insurance: Consider at least $250,000 to $500,000 coverage.
Commercial Property Insurance: If you rent commercial spaces, consider at least $100,000 coverage.Â
Foreign Worker Medical Insurance: MOM requires at least $15,000 cover per foreign worker. You’ll need this insurance to apply for your foreign employee’s Work Permit.
Injuring a member of the public during cleaning jobs:
You’re out on a cleaning job at a large shopping mall. One of your cleaners forgets to put up a warning cone. An elderly member of the public walks onto the wet surface. She slips and falls. The elderly woman suffers a serious fracture in her arm and hip bone. The family of the injured woman takes legal action against you. They sue you for $250,000, demanding compensation for the injured woman’s extensive medical costs, physiotherapy costs, and damages for trauma caused.
If you have Public Liability Insurance, the insurer would cover you against this lawsuit. Your Public Liability policy would pay for your lawyer’s fees to defend your company, and pay the legal damages.
See: Rise in lawsuits in Singapore over injuries in public spaces
Cleaner gets Covid-19 while working:
3 of your cleaners get infected with Covid-19 while cleaning various places. All 3 cleaners end up in the hospital, for 4 weeks each. Since this is a work-related illness, under WICA regulations, you must compensate your cleaners for their medical bills and lost wages while on MC. The government is currently paying for the medical bills of Covid patients, so you won’t need to pay for that. However, you must still pay your cleaners their salary while they’re ill.
We’ll assume each cleaner earns $1,800/month. Your total compensation is there $4,800 for the 4 weeks that they’re in the hospital. If you have WICA Insurance, your insurer will pay these costs for you.
See: 4 cleaners infected with Covid-19 from Changi Airport clusterÂ
Coverage | Coverage amount (example) | Premium |
$10 million common law annual limit  $45,000 medical expenses cover per worker | From $19/month, for a comprehensive Cleaners Insurance Package deal   | |
$500,000 | ||
$100,000 | ||
$10,000 | ||
$15,000 cover per worker | From $6/month, per worker |
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