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Not All Liability Insurance Was Created Equal

Are You Concerned About Breakage During Cleaning?

You finally decided to hire a professional cleaning company.  They will handle normal household chores in your home.  You did your due diligence and got a certificate of liability insurance from the company.  It says they are covered up to $1,000,000.  That certainly seems ample.

But a part of liability insurance may not cover you if  your cleaning tech damages something in your home.  It is known as property damage or care, custody and control.  Unless the company’s liability policy specifically covers this issue, your home may not be safe.  The only way you can tell if a professional cleaning company has secured the proper insurance for care custody and control is to ask them.  If they say no, or don’t understand what you are asking, they probably do not have that coverage.  The standard general liability policy EXCLUDES care, custody and control.

What Does Care, Custody and Control Mean?

Let’s say that your cleaning tech dusts an heirloom vase from your favorite aunt and drops it. It shatters on the floor.  Without a care, custody and control clause, the liability insurance company will deny the claim.  The cleaning tech did not intentionally damage the vase.  They did, however have the vase in their control.

Err On the Side of Caution

Hire a professional house cleaning company such as Custom Maid.  Our technicians learn to be very careful and gentle when dealing with your valuable items.  But accidents happen.  Put away any irreplaceable items like family heirlooms and very expensive decorative pieces.  At the very least,  point those things out to your representative so that the team will exercise special care around those items.

If our staff here at Custom Maid breaks or damages something in your home,  we, or our insurance carrier will always make good.  We will pay to repair it, if the item is repairable, or replace it,  if repair is not possible.

Call Custom Maid at 757-499-8568 if you have any questions about liability insurance.  We will gladly ask our agent to provide you with an insurance certificate.

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Editor’s Note:  We originally published this article in February 2015.  We have edited it for freshness, accuracy and comprehensiveness.