How does insurance for window cleaners work?
Comprehensive cover for the window cleaning trade
Working as a professional window cleaner means you need a business insurance policy that will protect your business if an injury or damage is caused to a third party or their property. Your chosen profession has many risks including working at height and with water, and may even include using plant machinery such as cherry pickers or rope access work. These can all pose a risk to you, your employees or a third party.
At The Insurance Octopus, our comprehensive business insurance policies are designed to be flexible, allowing you to tailor your low-cost window cleaners insurance exactly how you want it, providing you with all of the essential cover you need in one simple business insurance policy.
What your window cleaner’s insurance policy includes
Public Liability insurance for window cleaners
Public Liability insurance is included as standard and is an essential requirement for your Window Cleaners insurance. If one of your customers or a member of the public is injured, or their property is damaged because of your actions or inaction, public liability insurance protects you against the cost of repairs or any legal proceedings that may be filed against you. Cover is available up to £5m with higher limits available upon request and subject to the insurer’s terms and conditions.
Employers Liability insurance
Employers Liability cover is a legal requirement and standard cover is for £10m. Employers Liability insurance covers you and your staff. As an employer, you have a legal responsibility to ensure that you have provided a safe and secure workplace for employees and visitors.
Personal Accident cover
Personal Accident cover provides compensation on an agreed scale for death or bodily injury, but excludes illness or disease. Cover can be provided for all Proprietors, Partners, Directors and Employees, but it is not possible to insure selected individuals.
Legal Expenses Cover will help you if there is property damage or injury that has caused by your own actions. This could leave you vulnerable to legal court proceedings as clients, employees or the public may sue you for damages. Legal cover will help to cover the costs of this.
Why you need window cleaners insurance
Manage the risks associated with being in a trade specific occupation with window cleaners insurance Package to ensure your financial security in the event that something goes wrong. A business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a tradesman or contractor could need whilst working including liabilities, full tool and equipment cover. You can also add additional covers to help you tailor your business insurance policy to the needs of your business.
Dedicated insurance for trades people
One of our tradesman insurance specialists will discuss your business requirements with you and look to compare quotes from major UK insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need. A wide range of insurance options are available covering you for sector specific situations as required.
Flexible payment options
We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit.
Why choose The Insurance Octopus for Business Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen - with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Insurance for Window Cleaners FAQ's
Get the answers you're looking for
What should you do when a customer has asked for proof of insurance?
This is most common when working with commercial clients, and a proof of insurance can help you secure a new client or fight off competition. If a customer asks for proof of your insurance, this can simply be done by showing them your COI (certificate of insurance). You will receive this documentation with all our insurance policies.
Do window cleaners need public liability cover?
Public liability cover is not legally required, but is necessary for window cleaners to ensure that your staff, business, clients and the public are protected from harm. Window cleaners tend to work in locations that may have high footfall, or are likely to have direct contact with the general public. Because of this, public liability cover is ideal to have as it will ensure that any damage caused will be financially covered.
What height can you cover me for?
Our insurance can cover a range of heights, and we will tailor make insurance plans to suit your company and its needs. Whether you’re working on a commercial skyscraper or a terraced house, you can be certain that we’ll find the right cover for you. The simplest way to find out whether we can cover your height is to give one of our expert agents a call today.
How it works
Examples of Window Cleaners Insurance in action
Cherry Picker Theft Harms Window Cleaning Firm
A window cleaning company relies on their hired cherry picker to carry out many of their contracts. One night, it is stolen from their lot, leaving them liable for the cost of the machine, the remainder of the hire contract, and also leading to loss of earnings due to being unable to carry out work. Their plant and equipment insurance covers the costs of the lost equipment and the hire charges owed to the plant hire company, minimising their losses from this unforeseen disaster.