What is window cleaning insurance?
Window cleaning insurance is not one policy, but rather an umbrella term for a range of insurance policies that could cover you for incidents that occur while you’re working as a window cleaner, whether they involve you, a member of the public, or an employee. It can also compensate you if anything happens to your van or tools.
Two types of cover that will likely be included in your policy are public liability insurance and employers’ liability insurance. The former will cover your legal costs if a member of the public is injured or their property is damaged – by a falling ladder, for example – and the latter if an employee is injured – by falling off a ladder, for example. Legal expenses insurance can also be included to provide extra cover for ongoing legal costs. Employer’s liability insurance is also a legal requirement if you hire anyone outside of your family who does not work abroad.
You may consider adding tools insurance to your policy, which could provide compensation if your window cleaning tools are lost, damaged or stolen.
Lastly, don’t forget to protect your most valuable asset: yourself. Personal accident insurance will cover your medical costs and protect you from loss of income if you’re unable to work due to an injury.