Treatments risk insurance

Treatment Risk Insurance is a type of insurance that covers carpet cleaners for damage caused to items they have cleaned. This could include damage caused by chemicals or cleaning solutions, or by accidental spills or breakages.

Public liability insurance is another type of insurance that carpet cleaners need, but it does not cover treatment risks. So, if a carpet cleaner damages a customer’s carpet, they could be sued for the cost of the damage even if they have public liability insurance. Treatment Risk Insurance would cover this cost.

Treatment Risk Insurance is usually an optional add-on to public liability insurance, but it is important for carpet cleaners to have it. The cost of treatment risk insurance will vary depending on the insurer and the level of cover required.

Here are some of the things that Treatment Risk Insurance typically covers:

Damage to carpets, upholstery, and other items caused by chemicals or cleaning solutions
Accidental spills or breakages
Damage caused by over-wetting or under-drying
Damage caused by improper cleaning techniques
Damage caused by mold or mildew growth
It is important to note that Treatment Risk Insurance does not cover all types of damage. For example, it typically does not cover damage caused by pests or vermin, or by natural disasters such as flooding or fire.

If you are a carpet cleaner, it is important to talk to your insurance agent about Treatment Risk Insurance. They can help you determine if you need it and what level of cover is right for you.

Here are some additional things to keep in mind about Treatment Risk Insurance:

The terms and conditions of each policy will vary, so it is important to read the policy carefully before you purchase it.
You may need to pay a higher premium for Treatment Risk Insurance than for public liability insurance alone.
Some insurers may require you to have a certain level of experience or qualifications before they will offer you Treatment Risk Insurance.