A client asks you to move their laptop and handbag to a side table while you clean. Your vacuum cord catches the table, the items fall, and a tablet inside cracks. The client asks you to cover repair and replacement costs.

Legal Liability can extend to damage to property not owned by you but in your physical or legal control, up to the policy limit.

You mop an apartment lobby near the lift and the floor remains slippery. A delivery driver misses the warning sign, slips, injures their wrist and needs time off work. They claim you failed to manage the hazard properly.

Public liability insurance for cleaners can cover personal injury claims resulting from an Occurrence linked to your cleaning work.

During a bond clean, your sprayer leaks degreaser onto a polished timber floor. The chemical strips the finish across the hallway, and the property manager invoices you for sanding, resealing and lost rent while repairs are completed.

Legal Liability (cleaner public liability) can cover third-party property damage caused by your cleaning activities at a client's property.

After a late-night office clean, your securely locked van is broken into with clear signs of forced entry. Thieves steal your commercial vacuum, polisher and cleaning chemicals worth $4,000, forcing you to pause work while replacing gear.

Tools of Trade cover can respond to theft from a securely locked vehicle or building where there's evidence of forced entry.