Forgive me as I’ve not read the entire thread so this may have been covered. I’m sorry your settees have been ruined.
I don’t think you are being unreasonable as you’ve effectively given an employee/contractor some clear instructions that they haven’t followed, whether people agree with the instructions or not.
So the insurance question and whether you’d have any luck. For context I work in the nanny industry and look after our insurance for nannies in the family home. So a very similar set up.
It’s likely the insurance the cleaner/cleaning company has is public liability insurance.
How this works is as follows.
- You claim on your own insurance for the damage to the settees
- There will be a difference between the actual cost and what your insurance pays out. For example, your excess. Possibly your time that you could charge for for waiting in for a repair company or replacement delivery.
- You effectively sue the cleaner for this difference. You have to take the cleaner to (usually small claims) court at your cost.
Case study.
A nanny split some cleaning product on some wooden work tops and damaged them.
The family claimed on their own insurance which had an excess of £300. The family also took a day of work to be in when replacement worktops were fitted at a cost of £300 for a days work. (They had to prove this was an unpaid day off work rather than just I’ll work from home that day)
The family sued the nanny for the £600 additional cost. To take the nanny to court cost them a £1000 solicitor bill.
The nanny had public liability insurance which she kicked in. This had an excess of £50 on the policy.
Nanny paid this £50 and the public liability paid the remainder of £1550.
It’s lengthy and annoying but just the way public liability in a domestic premises works.
Just an FYI it may be worth checking your own insurance policy to see if it has either employer liability insurance or mirror public liability. It you don’t have this then the cleaner could quite easily counter claim they are not protected in your home causing a far bigger headache. Most home insurance policies have this as standard to cover things like tradespeople but there are a couple where it is an added feature.
Hope that helps understand the process.