What insurance do you need as a Window Cleaner and Why

//What insurance do you need as a Window Cleaner and Why

Being a window cleaner is a dangerous occupation, accidents can happen however experienced you are and there are always freak occurrences. Window cleaning though is not only dangerous to yourself but also dangerous to the public, if you drop a bucket of water from a few floors up it could easily cause serious injury or even death: you could be sued which may well simply mean bankruptcy unless you have some means to compensate. Public liability insurance will pay out for this though. Public Liability insurance will also cover you for any damage to property, say if you manage to break a window. Most window cleaners are self employed but others work for a business; if you are self employed you may want insurance in case you’re injured and can’t work and also potentially life insurance. You may also want insurance against people failing to pay you if you rely on a few big clients such as office blocks and retail units. If you are an employer though of window cleaners then you are responsible for making sure that there is insurance in place in case something happens to them while they are working: this employer’s liability insurance will be specifically for them in the jobs they do and will pay out should they be injured or even killed where you as an employer are liable.