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Do I need professional indemnity insurance as a house cleaner with just an ABN?

Do I need professional indemnity insurance as a house cleaner with just an ABN?

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1 answer

user
This is an answer

  • user

    Becky, Interesting Question. As Angus mentions, Professional Indemnity Insurance is often limited to a profession. I would look at your business and think what might go wrong eg someone might trip over a mop or you break a window and it hurts someone. It may be that this type of incident/accident could be incorporated into a Business Insurance Policy - talk to a good Insurance Broker and do your own research. Duncan Smith Business Advice + Tax

    • Duncan Smith
    • 30 Oct 2016
    • 08:16 PM
  • user

    Answer: Hi Becky - no, you wouldn't need Professional Indemnity Insurance. Cleaners, generally wouldn't be required to have PII cover as cleaner would not be classified as a profession in this instance. Professional Indemnity covers professions that make a mistake or an omission is committed during the course of their work which leads to a loss of a third party (generally doctors, accountants, IT professionals, lawyers and the like).

    • Angus Woods
    • 18 Sep 2016
    • 05:19 PM
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