What is window cleaning insurance?
Window cleaning business insurance is designed to cover the unique risks faced by professional window cleaners. Whether you work with a squeegee in hand at ground level or scale dizzying heights with water-fed poles, having the right insurance means you’re protected from costly mishaps.
What is included in window cleaning insurance?
A window cleaning liability insurance policy typically includes:
- Public liability insurance – Covers claims from clients or the public if your work leads to property damage or injury.
- Employers liability insurance – If you have staff, even apprentices or casual helpers, this protects against claims for work-related injuries.
- Tools and equipment cover – Because replacing that top-of-the-line water-fed pole isn’t cheap.
- Commercial legal expenses – Covers legal disputes, from unpaid invoices to trespassing claims.
Window cleaning liability insurance
Your job involves working at heights, using ladders, and sometimes carrying heavy equipment—none of which mix well with an unexpected accident. Window cleaning liability insurance ensures that if something does go wrong, your business isn’t left covering hefty compensation costs.
Do window cleaning businesses need liability insurance?
Window cleaners benefit from public liability insurance because they work in public spaces and often at height. There are some risks associated with those activities. Employers’ liability insurance is required by law if you have anyone working with you who falls under the legal definition of an employee.
Many clients, domestic or commercial, won’t even hire you without proof of public liability insurance for window cleaning. It’s not just about protection—it’s about securing jobs, too.
Public liability insurance for window cleaning
Window cleaning public liability is arguably the most important cover in your policy. It protects against third-party claims for injury or property damage. A rogue gust of wind knocks your ladder over onto a client’s car? Covered. A pedestrian slips on water from your cleaning bucket? Also covered.
What does public liability insurance cover?
- Injuries to third parties – If someone trips over your equipment and takes a tumble.
- Property damage – If you accidentally shatter a window instead of cleaning it.
- Legal fees – If a claim is made against you, public liability helps cover court costs.
How does public liability insurance work?
If a claim is made against you, your window washing insurance steps in to cover compensation costs, legal expenses, and repairs. Instead of paying out of pocket, your insurer handles the financial burden—so you can keep your focus on keeping windows streak-free.
What else to include with window cleaning business insurance?
Tools and business equipment insurance
Your tools are your livelihood—without them, work grinds to a halt. Whether it’s a high-reach pole system, squeegees, or specialist cleaning solutions, tools and business equipment cover protect against theft, loss, or accidental damage, ensuring you can get back to work without unnecessary delays.
Employers liability insurance
If you have employees, apprentices, or even freelancers helping you out, employers liability insurance is a legal requirement. It protects your business if a worker gets injured or falls ill due to their job.
Commercial legal expenses
Running a business means dealing with the occasional legal headache. Commercial legal expenses cover can help with:
- Unpaid invoices – Because clients sometimes “forget” to pay.
- Trespassing disputes – If you need to access certain areas for work and find yourself facing a legal dispute.
