What else should I consider?
You’ll need to think of all aspects of your business and not just about being covered for accidents.
If your window cleaning takes you far and wide and you’re travelling lots of miles a day in a work van, you’ll need to make sure you’ve got appropriate van insurance. Being on the roads for long periods of time increases the risk of being involved in an accident and your insurance provider needs to factor this in when calculating your premium; so it’s really important to make sure that you’re upfront and honest about your mileage. Failing to disclose any relevant information could lead to your policy becoming invalid – and that goes for any policy you have, regardless of what it’s for.
Also consider whether your tools are adequately covered in case of theft or damage. If you store your equipment in your work vehicle make sure you tell your insurance provider. Or if you store them elsewhere, such as if you’re based at a business premises, then make sure both your buildings and contents are protected.