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When you’re running a window cleaning business, you need to consider insurance that will safeguard your customers and their premises, and protect the people you employ to help you carry out work on their behalf.
When it comes to window cleaning, public liability insurance is the form of cover that can protect you in case someone gets injured while you’re working on their property and provide cover for any damage to the properties you’re working on.
Employers’ liability insurance, meanwhile, can provide cover for any contractors or employees who might suffer from injuries as a result of their work for you.
With falls from height a risk for window cleaners, it’s important to consider a level of insurance that protects you and your employees.
Check out our FAQs below for the answers to the questions you may have on insurance for window cleaners.
Public liability insurance can cover the cost of your legal fees, as well as any compensation that might be due if a member of the public suffers an injury as a result of the work carried out by you or your window cleaners - or a customer’s property suffers damage and they make a claim against you.
Many insurance 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.
Public liability insurance is not a legal requirement, but it will give you and your cleaners peace of mind knowing that, should an accident happen, you should be covered for the cost of legal fees, as well as any compensation payments.
As a window cleaner, there are a few features you should look for when it comes to a public liability insurance policy. These include:
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.
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.
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.
When you're busy making ends meet, it’s hard to devote time to finding the right insurance policy. That’s why at Compare the Market we’ve made it easy for you to search for public liability insurance as well as the other different types of insurance you might want to take out for a window cleaning business.