Do Window Cleaners need insurance?

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As with most things in window cleaning, the question of the necessity of insurance is not clear-cut. Window cleaners are active throughout the day, are in potentially dangerous situations and have to comply with a lot of health and safety legislation, so it would seem obvious that insurance is necessary.

Employer’s liability insurance

However, the only legal requirement for window cleaners to have insurance is in the case of employer liability, when a company owner employs staff. While this is not relevant for any one man one band operations, employer’s liability insurance protects you in the case of your staff making a claim against you if they get injured at work. Employer’s liability insurance covers both the cost of the claim, as well as the legal fees incurred, although specific policies offer different levels of cover.

Public liability insurance

Despite this, many windows cleaners choose to take public liability insurance in order to cover themselves from any accidents, giving them the peace of mind that they are protected from the costs of any potential accidents at work. Window cleaners have constant access to other peoples’ property, so they are constantly in situations where claims could be made against them – public liability in your window cleaning insurance would protect you from this.

It’s not only clients who could make a claim against you for damages, however. Any member of the public can claim that they have suffered personal damage, injury or loss as a direct result of your actions.

Accidents do happen, and, in the case of window cleaning, there is a lot that can go wrong. Damage to a window or drainpipes while working or even the van you use while driving around are sources of potential risk. The cost of claims can be huge, and, when combined with the legal fees incurred, could run into millions of pounds.

As such, public liability often has a minimum cover of £1 million, with a maximum of £5 million, but all can be adjusted depending on the size and scale of your operations. It is also well worth considering the additional extras that public liability insurance can provide, like cover against financial loss and products liability.

Therefore, it’s not difficult to see why the vast majority of window cleaners take out public liability insurance, even when it’s not a legal requirement. Having that peace of mind that you are fully protected means you can go about your job without any additional worries.

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*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax and our admin charge. 22% of new customers paid less than £58 between 1st January 2019 and 31st August 2019. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2019 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register https://register.fca.org.uk/.
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