Why self employed cleaners and window cleaners still need insurance

You may assume that one of the advantages of being a self employed person with no employees is that you don’t have to worry about things like employer’s liability insurance: this is true but it doesn’t mean you don’t need any insurance at all. Public liability insurance for a start is absolutely vital, this is especially the case if you regularly work on other people’s premises. In a job as a cleaner you have a lot of responsibility and you could also easily make a mistake and damage valuable equipment,