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To request that my cleaner has insurance?

(59 Posts)
doubleginplease Tue 15-Mar-16 19:38:10

I am struggling to find someone to help me out with housework and have put a message up on gumtree. However one of the candidates has come back to me saying she hasn't got insurance because she uses her clients cleaning products and therefore this is enough.

Am I right in saying this isn't enough and i should ask for her to have insurance?

Im thin on the ground, looking to pay £10ph for 5 hours work with flexible hours and it seems not many people are interested!!!

insancerre Tue 15-Mar-16 19:41:04

If you are employing her, shouldn't you be getting the insurance?

Leigh1980 Tue 15-Mar-16 19:41:10

Very unreasonable due to the fact it costs a shit load for insurance.

Sprink Tue 15-Mar-16 19:44:07

Insurance for...?

Perhaps I'm naive but I thought my home insurance would cover any breaks or theft. Yeah, probably not.

If you want the insurance go through an agency.

dementedpixie Tue 15-Mar-16 19:46:09

why should the OP have to claim on their insurance if the cleaner breaks something?

AutumnLeavesArePretty Tue 15-Mar-16 19:46:33

Cleaners are self employed and should have their own products and insurance. They are business costs.

cleaty Tue 15-Mar-16 19:46:44

YANBU, but you need to pay more to cover it.

breezydoesit Tue 15-Mar-16 19:49:01

I don't think it's unreasonable to ask that at all. Years and years ago my dad had a tv repair man come round to the house and as he finished fixing tv he stood up, head hit a shelf and he knocked a load of expensive China off it. He should have been insured but neglected to get any any. Bummer. But yeah they should have insurance

Sprink Tue 15-Mar-16 19:49:40

why should the OP have to claim on their insurance if the cleaner breaks something?

The OP wants an inexpensive cleaner and that means cash in hand, which often means no business insurance. Nom making gross assumptions, obviously.

doubleginplease Tue 15-Mar-16 19:51:00

I'm looking for someone whose self employed.

I was going through an agency and was paying £10 an hour - the cleaner was getting minimum wage.

I was thinking more if they broke something, or perhaps left a tap on and flooded my house- worst case scenario I guess.

doubleginplease Tue 15-Mar-16 19:52:13

sorry but I disagree £10 is not 'inexpensive' most cleaners don't get £10 an hour!

cleaty Tue 15-Mar-16 19:52:50

Minimum wage will soon be £7.20 per hour, plus National Insurance Contribution, plus new compulsory pension. There is no way you would now pay £10 per hour if it was a legitimate business.

SohowdoIdothis Tue 15-Mar-16 19:53:30

You would be luck to get a cleaner around here for £10 an hour.

Sprink Tue 15-Mar-16 19:53:39

For the record, I asked the same of my cleaners. It's just that the employer has to decide if the risk is worth it.

And I shouldn't go as far as to say employer, really. If someone owns a business and provides a service a few hours a week, s/he is not your employee.

QuerkyJo Tue 15-Mar-16 19:54:21

I have had cleaners for over 20 years. None have broken anything or caused any damage. Do you have high value items in your home that you are worried about?

doubleginplease Tue 15-Mar-16 19:54:27

I'm happy for the cleaner to use my products btw!

doubleginplease Tue 15-Mar-16 19:57:38

Yes I do. My last cleaner broke quite a lot of things!

We are in a low wage area. £10 is quite a lot, most cleaning agencies I have seen advertising have self employed cleaners who work for them (including the last agency i used) and the onus is on the client to pay the cleaner £7.20 an hour and then £2.80 an hour to the agency.

cleaty Tue 15-Mar-16 19:58:38

Generally in order not to classed as an employee, cleaners need to bring their own products.

Believeitornot Tue 15-Mar-16 20:00:37

Do you have home insurance? Check your policy.

If you want your cleaner to have insurance then expect the cost to be passed onto you via higher rates.

Don't be cheeky and expect them to be grateful for £10 an hour and then add extra costs on top!

Believeitornot Tue 15-Mar-16 20:01:06

Also my cleaners (I've had loads) have never broken anything!

doubleginplease Tue 15-Mar-16 20:01:32

Thats interesting to know. I will look into that. what about using my hoover etc?

The reason why i moved from an agency is firstly because i found out my cleaner was stealing time from me (leaving an hour earlier than she should have done) and i thought i would cut out the middle man so that someone would earn more money rather than paying it to an agency.

cleaty Tue 15-Mar-16 20:03:05

It sounds like those agencies are exploiting the cleaners. They are not paying employees national insurance or compulsory employers pension contributions, or statutory holiday pay.

Also if you have ever been bankrupt or had an IVA, insurance will be ridiculously expensive.

MassiveStrumpet Tue 15-Mar-16 20:03:28

I had insurance when I was a cleaner - and I charged significantly more than 10 pounds an hour.

doubleginplease Tue 15-Mar-16 20:04:46

I agree- they are exploiting them!!

doubleginplease Tue 15-Mar-16 20:06:21

To be honest if £10 isn't enough i might as well drop my hours at work and do it myself as my own hourly rate isn't much more than that!

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