Public liability and tools cover built for window cleaners, covering the working-at-height risk that comes with ladders, poles and cherry pickers.
Public liability and tools cover built for window cleaners, covering the working-at-height risk that comes with ladders, poles and cherry pickers.
Working at heightPoles & systemsDamage at a property
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Window cleaner insurance is a combination of covers built around working at height on other people’s property, public liability for injury or damage, tools cover for your equipment, and employers’ liability if you have staff.
A dropped bucket, a scratched window or a fall from a ladder can all lead to a claim, whether you’re working on a house or a commercial block.
Window cleaner insurance can include:
Public liabilityEmployers’ liabilityTools & equipmentPersonal accident coverWater-fed pole systemsBusiness van insurance (separate policy)
Public Liability
Covers claims if your work injures someone or damages property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Personal Accident
Covers loss of income if a fall or injury stops you working.
Business Contents
Protects equipment, stock and fixtures at your premises.
Tools & Equipment
Covers ladders, poles and water-fed systems.
What could go wrong for a window cleaner?
What could go wrong for a window cleaner?
Ladders, poles and other people’s property bring their own everyday risks.
Ladders, poles and other people’s property bring their own everyday risks.
| Situation | Usually covered | Worth checking your policy |
|---|---|---|
A window is scratched or cracked | Yes, standard public liability | Property damage |
A ladder damages guttering or brickwork | Yes, standard public liability | Property damage |
You fall from a ladder or pole | Yes, personal accident cover if you have it | Personal accident cover isn’t automatic, check it’s included |
Water gets into a property through a window | Yes, standard public liability | Water ingress claims |
Top Tip
If you use a water-fed pole system rather than ladders, tell your insurer, it can change your risk profile and may affect your premium either way.
There’s no fixed price. It depends on the methods you use, staff numbers, equipment value and your claims history.
Ladders or water-fed poles
Working methods can affect how insurers assess your risk.
Level of cover
Adding personal accident cover increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Residential vs commercial work
Larger commercial contracts can affect your risk profile.
Value of your equipment
Poles, systems and vans increase your tools cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get window cleaner insurance
How to get window cleaner insurance
Getting window cleaner insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting window cleaner insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your work
The methods you use and whether you employ staff.
Choose your covers
Public liability, tools and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Window cleaner insurance guides
Window cleaner insurance guides
Practical advice on cover, working at height and staying protected.
Practical advice on cover, working at height and staying protected.
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The Quiet Cost of Cleaning Without Insurance (It’s Not Just the Fine Print)
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What Happens When a Client Slips? A Real Look at Risk for Professional Cleaners
Cleaners face a unique set of risks, particularly when working in client homes or commercial premises. A freshly mopped floor might be spotless, but it can also become a hazard. If someone slips and is injured, questions of liability often follow.
Window cleaner insurance FAQs
Window cleaner insurance FAQs
Straight answers on cover, working at height and cost.
Straight answers on cover, working at height and cost.
Window cleaner insurance is a combination of covers built around working at height on other people’s property: public liability for injury or damage, tools cover for your equipment, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related trades we cover
Related trades we cover
Window cleaners often work alongside these trades. Each has its own cover requirements.
Window cleaners often work alongside these trades. Each has its own cover requirements.
Cleaner Insurance
Interior cleaning that often pairs with exterior work.
Glazier Insurance
Window repair and replacement when damage is spotted.
Handyman Insurance
Gutter clearing and minor exterior maintenance.
