Ensuring your Window Cleaning business is sufficiently insured will bring peace of mind and cover you in case the worst should happen. Displaying relevant insurances can also be an excellent way to prove to potential customers that your business is professional, trustworthy, and reliable.
Particularly for commercial work, some customers may even require particular types of insurance.
The following is not an exhaustive list, nor do we claim to be experts in the insurance field. We always recommend talking with an insurance provider for specific info, but here's a brief overview of the types of insurance to consider for your Window Cleaning business;
General/ Public Liability
This protects you business from employee or third-party claims of bodily injury, property damage, or advertising mistakes. This includes many different scenarios but two common examples are; if you accidentally damage a roof panel on someone’s home whilst cleaning. Or if someone gets injured because of your work.
If you have employees, you’re legally required to hold employers’ liability insurance. This protects you if an employee is injured or becomes ill due to the work they do for you. For example, if an employee is injured while they’re working on a ladder and they don’t have the adequate safety equipment to protect them.
You cannot run your business without your equipment, so business equipment cover is a good idea, particularly if you have equipment that may be costly to replace.
This type of insurance can help if your specialist equipment is lost, stolen, or damaged. Though often they will require strict measures to ensure equipment is protected and locked away, be sure to go through the fine print.
Personal accident cover provides cover if anyone in your business is unable to work because they've been injured in an accident, whether in a business or personal capacity.
This covers the legal costs of advice or representation when taking action against on any legal issues, for instance disputes with suppliers or clients.
Business/ Commercial Vehicle Insurance
Your vehicle will require cover for specific business usage, particularly important to check and change your insurance if you plan to use a vehicle you already own.
Business Interruption Insurance
Business interruption insurance minimizes the financial effects of unforeseen interruptions to your day to day work. It offers coverage for lost income and extra costs if your business is temporarily unable to operate due to covered events like fire, flood, or other risks.
Head to our Starting a Window Cleaning Business Hub for more helpful guides