Window cleaning insurance that covers every job

As soon as you start cleaning windows for clients professionally. Window cleaning — particularly at height — carries real risks to the public and to clients' property, and a single incident could result in a significant claim. Cover should be in place before you take on any paid work.

No — it isn't a legal requirement in the UK. However, commercial clients, property managers, and facilities companies will almost always require proof of insurance before engaging a window cleaner. It's also essential protection given the risks associated with working at height and the use of water and equipment in public spaces.

It covers compensation claims and legal fees if a member of the public is injured or their property is damaged as a result of your window cleaning activities. Common examples include a pedestrian being struck by falling equipment or water from height, a client's property being damaged by water ingress or cleaning products, or a third party slipping on water left on a pavement near your work area. It covers both the compensation payment and your legal costs, even if a claim turns out to be unfounded.

Public liability insurance covers claims from members of the public — it doesn't cover claims from your own employees (that's employers' liability), damage to your own equipment such as ladders or water-fed poles, or personal injury to yourself while working. Always check your policy wording carefully to understand exactly what's included.

Public liability insurance covers your liability to third parties regardless of the height you're working at. However, working at height carries additional risks and your insurer will assess the type of work you carry out — including whether you use ladders, water-fed poles, or access platforms — when arranging your policy. Make sure you describe your working methods accurately when getting your quote.

Yes — if water from your cleaning operation damages a client's property or a member of the public's belongings, public liability insurance covers the resulting claim. Accidental damage from equipment is also covered. Always follow safe working practices and use appropriate methods for each surface to minimise the risk of a claim.

Standard cover starts at £1 million. Commercial clients and facilities managers will often require £2 million or £5 million, particularly for work on larger buildings. If you carry out work for local authorities or on public buildings, £5 million or above may be required. Check your client requirements before selecting your cover level.

Yes — business insurance is an allowable expense, which means you can deduct the cost when calculating your taxable profit. Make sure you keep your policy documents and receipts as records for HMRC. If you're unsure, speak to your accountant.

Yes — you'll receive proof of cover instantly when your policy is in place, which you can share with clients straight away. If you also take out employers' liability cover, a Certificate of Employers' Liability will be issued immediately for display at your premises.

We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.

You can verify our status directly on the FCA register.