If you’re a professional window cleaner, you already know your work comes with real risks, and we’re not just talking about the weather. Working at height, moving through public spaces, and using water-fed pole systems around homes and businesses all bring potential hazards.
That’s why public liability insurance isn’t just a nice-to-have; it’s essential. It protects you if something goes wrong and a member of the public makes a claim against you for injury or property damage.
At Alexander Swan, we are a company and an independent insurance broker with expertise in window cleaners’ insurance. We’ve been helping window cleaners across the UK, and right here in Swindon, find cover that truly matches their work. As an independent insurance broker, we know that the cheapest headline quote isn’t always the best, and we take the time to make sure your policy works in real life, not just on paper.
Why Public Liability Insurance Matters for Window Cleaners
Even the most careful professional can have an accident. There are real risks involved in this work, and despite taking all necessary safety precautions, accidents can still happen. All it takes is:
- A pedestrian slipping on water runoff from your cleaning
- A ladder is tipping and damaging a client’s car
- Scratches or cracks to glass, sills, or frames
- A hose or cable becomes a trip hazard
Without public liability insurance, you could be left paying for compensation, legal fees, and associated costs yourself, and that can run into thousands of pounds.
We’ve worked with sole traders just starting out and with established teams covering areas like Swindon, Bristol, Taunton, and Exeter. In every case, having robust, tailored window cleaners insurance has given them confidence to take on bigger contracts and work safely.
What Exactly Is Public Liability Insurance?
Public liability insurance covers compensation claims made by members of the public for injury or property damage caused by your work. If you are found liable for causing injury or property damage, this insurance protects you. For a window cleaner, that might mean:
- Someone trips over your hose during a job
- A tool slips and damages a conservatory roof
- You accidentally crack a pane of glass while cleaning
This cover takes care of compensation payments, your legal defence costs, and related expenses, so you’re not facing financial hardship from a single accident.
Who Needs It?
If you clean windows professionally, whether you’re working alone or employing a team, you need public liability insurance. Anyone involved in professional window cleaning should have public liability insurance, as many clients simply won’t let you start work without proof of cover.
For example:
- Local councils require it for public contracts
- Schools and universities need to see documents before you work on site
- Large commercial sites won’t grant access without evidence of cover
And beyond meeting requirements, it shows you’re professional, prepared, and trustworthy. Maintaining trust and long-term relationships with customers is essential, as it reassures them that their property and interests are protected.
How Much Cover Do You Need?
Policies are usually available in limits of £1m, £2m, £5m, or more. The right amount depends on:
- The height and type of buildings you work on, including residential properties
- Whether you do domestic, residential, commercial, or public sector work
- The equipment and techniques you use
- Client specifications in your contracts
Coverage needs may differ for residential properties compared to commercial sites, and requirements can also vary for limited companies versus sole traders, especially regarding documentation and director drawings.
Domestic-only cleaners might find £1m sufficient. But if you’re tackling high-rise offices, schools, or council buildings, we often recommend £5m as a minimum.
When you work with us, we’ll assess your jobs, your client requirements, and your budget to find the right balance.
Employers’ Liability Insurance Requirements
If you employ staff as part of your window cleaning business, employers’ liability insurance isn’t just a smart move; it’s a legal requirement. Under the Employers’ Liability (Compulsory) Insurance Act 1969, any business that employs people (apart from some family-run businesses with only close relatives) must have employers’ liability insurance in place. This essential cover protects your business and your employees if someone is injured or becomes ill as a result of their work.
Employers’ liability insurance covers the legal costs and compensation that could arise if an employee claims against you. Whether you have a small team or are planning to expand, having the right cover in place means you’re prepared for the unexpected and compliant with the law. At Alexander Swan, our friendly team of insurance brokers can help you understand exactly what’s required and make sure your business is fully protected with the right employers’ liability insurance for your unique needs.
Understanding Employers Liability
Employers’ liability insurance is a vital type of liability insurance designed to protect business owners from claims made by employees who suffer injury or illness due to their work. As a business owner, it’s essential to recognise that this cover is not just about ticking a legal box; it’s about safeguarding your business and your team from potentially costly claims.
Employers’ liability insurance is legally required for any business with employees, and failing to have adequate cover can result in significant fines. This insurance provides peace of mind, knowing that your business is protected if the unexpected happens. At Alexander Swan, we take the time to understand your business’s unique needs and help you find the right employers’ liability insurance policy, ensuring you and your employees are fully covered and your business is protected.
Key Things to Look for When Comparing Policies
Don’t just focus on the price; focus on the protection. We help our clients find the best deal while ensuring comprehensive coverage, and our policies can be tailored to the specific needs of window cleaners. Here’s what we look at for our clients:
1. Cover Limits
Make sure the level matches your contracts and risk. A “cheap” policy might only give you £1m cover, which can be too low for commercial work.
2. Exclusions
Some policies exclude essential parts of your work, like damage caused by water ingress, subcontractor work, or working at certain heights.
3. Height Restrictions
If you use ladders, cherry pickers, or reach-and-wash systems, ensure your policy covers your maximum working height.
4. Tools and Equipment Cover
Not always part of public liability insurance, but valuable if your poles, washers, or filtration units are expensive. We can bundle this in for full protection. Insurance can also be extended to cover vehicles used for transporting your tools and equipment.
5. Subcontractor Cover
If you hire subcontractors, your policy needs to include them or require them to have their own cover. Either way, we make sure you’re not left exposed.
How to Compare Insurance Quotes
Comparing insurance quotes can feel overwhelming, especially with so many options and details to consider. As a business owner, whether you’re a window cleaner, landlord, or run another type of business, it’s essential to look beyond just the price. When comparing insurance quotes, pay close attention to the level of cover, the amount of excess you’d need to pay in the event of a claim, and the premium. It’s also important to consider the reputation and financial stability of the insurance provider.
At Alexander Swan, our team of expert insurance brokers can guide you through the process, helping you compare quotes from a range of insurers to find the best fit for your business. We’ll explain the differences between public liability insurance, employers’ liability insurance, and business insurance, so you can make an informed decision. Our goal is to make the process straightforward and ensure you have the right cover in place to protect your business, your team, and your clients.
Common Pitfalls to Avoid
We’ve seen too many window cleaners caught out because they:
- Didn’t declare their maximum working height
- Assumed tools were covered when they weren’t
- Used the wrong business description (listed as “cleaning services” instead of “window cleaner”)
Stored tools in vans overnight without meeting insurer conditions
We’ll help you avoid these traps so your policy stands up when you need it.
How Much Does Public Liability Insurance Cost?
Costs vary based on your location, clients, work height, claims history, and level of cover.
- Sole traders working on domestic homes might pay £80–£120 a year
- Commercial cleaners with staff might pay £250–£600
As insurance brokers in Swindon, we have access to specialist insurers who understand your trade, meaning we can often secure competitive premiums without sacrificing cover. We help clients save money while still ensuring they get the right level of cover for their needs.
Why Work with Alexander Swan
We’re not a comparison website. We’re real people who talk to you, ask the right questions, and match you with insurers who understand mobile trades. With us, you get:
- Access to specialist window cleaners’ insurance policies
- Expert advice on working at height, tool cover, and vehicle insurance
- Claims support from start to finish
- Options to bundle cover for better value
We pride ourselves on delivering outstanding service, ensuring you receive professional support and personalised assistance every step of the way. For tailored advice or a quote, contact our team today. We’re here to help.
Final Thoughts
The right public liability insurance UK cover keeps you working with confidence, and can be the difference between winning a contract and losing it. But it only works if it’s tailored to your real-world jobs.
At Alexander Swan, we specialise in helping window cleaners get the cover they need, at the right price. We’ll make sure your policy matches your work, your equipment, and your clients’ requirements. Our commitment to customer satisfaction means we take the time to understand your unique needs and deliver insurance solutions that put the customer first. While platforms like Simply Business offer quick quotes and a range of options, Alexander Swan stands out by providing a truly personalised approach and dedicated support for every customer.
Get in touch with us today for a no-obligation quote. Whether you’re a sole trader or managing a team, we’re here to protect your business.