House Cleaner

Doozergirl

I would speak to your household insurer or read the documents with that first - there may already be some amount covered for public liability within your policy or you could purchase some as an add on? You can check whether it would cover a self-employed cleaner working in your house.

phill99

The insurance you are talking about is Occupiers Liability. Under the Occupierts Liability Act, any person entering your house (including burglars) has the right to sue you if your negligence eg torn carpet on stairs causes them an injury. However, you already have this via your home insurance policy. Its already included in these policies so getting an additional policy is a waste of money. You need to make sure she has public liability so that if she damages your property, you vcan claim off her insurance. .

Astec

phill99 wrote: »

any person entering your house (including burglars) has the right to sue you if your negligence

That is why the law is an !!!!

If that happened in my house I'd just get a new patio instead...

macman

Pythagorous wrote: »

So whats the insurance that I would need called? I always thought public liability ins was used to cover you in the event of a member of the public hurting themselves due to your negligence (eg whilst on your property).

Anyway, what I'm most interested in is how much 'the insurance that I need' is going to cost me.

Thanks

Your home insurance should already give you public liability cover.

Blackpool_Saver

Which home insurance, buildings or contents covers cleaners and other workers?

macman

It covers you for injury caused to the public by your property, for example, a tile slips off your roof and lands on the postman's head.

phill99

It sthe buildings cover that has the public liability element