Business insurance for window cleaners


Compare business insurance quotes

Compare business insurance quotes

Windows being cleaned

Frequently asked questions

  • What is public liability insurance?
  • How much cover do I need?
  • Is public liability insurance a legal requirement?
  • What should I look for in public liability insurance?
  • What is employers’ liability insurance?
  • What else should I consider?
  • How much will my insurance cost me?
  • How can I find the right insurance policy?

What is public liability insurance?

If a member of the public suffers an injury as a result of your work or a customer’s property suffers damage and they make a claim against you, public liability insurance can cover the cost of your legal fees, as well as any compensation that might be due. 

How much cover do I need?

Many policies start with £1 million worth of cover, but you can usually increase the amount if you feel it's necessary. However, you’ll find that your premiums will rise to reflect this.

Is public liability insurance a legal requirement?

No. But it willl give you peace of mind knowing that, should an accident happen, you’ll be covered. 

What should I look for in public liability insurance?

As a window cleaner, there are a few features you should look for. These include:

  • cover for damage caused to windows or property during cleaning
  • cover for treatment if your cleaning chemicals cause an injury
  • cover if a member of the public or your customer is injured 

What is employers’ liability insurance?

Employers’ liability insurance can give you protection if an employee of yours falls ill or suffers an injury as a result of their work. 

If you employ anyone who isn't a direct family member, then you’re legally required to have employers’ liability insurance — if you don’t, you could be fined £2,500 for every day that you’re not insured. You could also be fined £1,000 if you don’t display your employers’ liability certificate, or refuse to show it to inspectors when they ask. 

What else should I consider?

You’ll need to think about all aspects of your window-cleaning business — not just insurance cover for accidents.  

If your window cleaning takes you far and wide and you're travelling long distances, make sure you’ve got appropriate van insurance.  

Also consider whether your tools and equipment are adequately covered in case of theft or damage <tools and equipment cover>. Or if you store them elsewhere, make sure both your buildings and contents are protected. 

How much will my insurance cost me?

Your premiums are based on many factors, such as the size of your business, how much cover you want and your claims history. It’s tempting to simply opt for the cheapest policy — but think hard about what you really need. After all, you might have to call on it one day. 

How can I find the right insurance policy?

When you're busy making ends meet, it’s hard to devote your time to finding the right insurance policy. That’s why at Compare the Market we’ve made it easy for you to search the different types of business insurance.