House Clearance and Rubbish Removal Public Liability Insurance
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You’d be crazy not to !!!
If you work as a House Clearance and Rubbish Removal, even a small mishap while using trolleys, straps and protective coverings can lead to a costly claim. Public liability insurance is designed to help with third‑party injury or damage claims, including legal costs.
In plain English: it’s cover for claims made by people outside your business (clients, neighbours, passers‑by) if something goes wrong during your work.
Key cover areas
- Injury to third parties (clients, visitors, passers‑by).
- Damage to third‑party property (customer premises, neighbouring property, vehicles).
- Legal defence costs and associated expenses (subject to policy terms).
- Slip risks around wet floors, signage and corded equipment.
- On‑site and off‑site incidents — including set‑up, pack‑down and day‑to‑day working activities.
Accidents this cover can help with
Example: you’re moving trolleys, straps and protective coverings through a customer’s property and accidentally cause damage to flooring or fixtures — public liability insurance is designed for this type of third‑party property claim.
- Injury example: A client has a minor reaction after contact with cleaning residue on a surface.
- Damage example: High‑pressure washing etches brickwork or forces water behind render.
- Another common scenario: A customer slips on a freshly mopped floor where signage wasn’t clear.
Common cover limits
Typical limits range from £1m to £10m. If you work on commercial sites or for councils/venues, higher limits (often £5m+) are commonly requested.
Other cover to consider
- Treatment Risks Extension (If Applicable) — cover for the job in progress, materials, plant or kit (depending on the cover type).
- Goods In Trust (For Clients’ Items) — useful if you rely on specialist equipment to work.
- Product liability — worth considering if you sell or supply products as part of your service.
- Employers’ liability — If you take on labourers, apprentices, or any PAYE staff, you may also need cover if you employ staff alongside public liability.
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