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Window cleaners insurance is specialised business insurance for companies and individuals who clean the windows of other people's offices and homes.
You can buy different types of business insurance:
Employers liability insurance - covers costs if employees are harmed
Public liability insurance - covers costs if members of the public are harmed
Tool insurance - covers costs if equipment is lost, damaged or stolen
🚩 Employers liability insurance is a legal requirement if you have staff
Whether you own a window cleaning firm or are a self-employed sole trader, insurance can financially protect you if something goes wrong at work.
Without insurance you could end up paying some very high costs if your employee is injured while working, your equipment is stolen, or you are accused of damaging a client's property.
If you are a UK business and you have any non-family members working for you then by law you must have employers' liability insurance.
Without it, you can be fined up to £2,500 for every day you're not insured[3].
Employers liability insurance covers the compensation costs if a worker becomes ill or injured because of their work for you. This includes ex-employees.
For example, if a worker was exposed to toxics which created health issues years later they could sue their old employer for failing to put adequate health and safety measures in place.
Some people may be wary about hiring in domestic window cleaners who do not have comprehensive public liability insurance policies in place, and many organisations have policies prohibiting them from hiring uninsured cleaning companies.
From cracking a window pane to dropping heavy equipment onto a client's car, the nature of your trade could end up causing expensive property damage that owners may expect you to pay for.
Public liability insurance will pay the costs of accidental damage to other people's property, whether that's a client or member of the public.
Business contents insurance can help you recover the cost of losing company equipment to fire, flood, theft and other disasters. Tool cover can offer similar protection for your expensive cleaning tools.
You can be taken to court if a client or a member or the public believe they have been physically or financially harmed because of your company's business activities, including if their property is damaged.
Window cleaners could be found liable for everything from scratching your client's window frames to one of your tools falling from a height and hurting a passing pedestrian.
Public liability insurance can cover the legal fees and compensation payouts in such cases.
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
Comparing quotes from different insurers allows you to find the best deal out there.
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Public liability insurance protects you if your work harms members of the public.
Employers’ liability insurance protects you if your staff become ill or injured at work.
Tool insurance protects tools from loss, damage, or theft.
Business van insurance Protect your work vehicle and its contents.
Business contents insurance protects equipment, including in home offices.
Income protection insurance protects you if you become unable to work.
(Per Year) | Cheapest Price | Average Price |
|---|---|---|
Window cleaners | £63.50[7] | £67.21[8] |
The table shows the average prices paid by our customers for window cleaners' insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
Almost 9 in 10[10] of business insurance claims made by MoneySuperMarket customers were accepted last year.
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
Financial loss: Compensation payouts to third parties that had their person or property harmed by your work activities
Business van insurance: Standard motor insurance policies won't usually cover vehicles that are used for work
Legal expenses insurance: For things like employment disputes, property disputes, and tax investigations
Accidental death: Offers a lump sum should you or an employee die as a result of an unforeseen incident
Tools and equipment: Cover to repair and replace business equipment that is damaged or stolen
Business contents: Covers items such as office furniture or computers and phone systems for if they’re damaged or stolen
Professional indemnity: Covers you if your business is responsible for any professional negligence
Personal accident insurance: Offers a lump sum payment if you or an employee are hurt and no longer able to work
Intentional harm or damage: Either by yourself or an employee
Poor workmanship: Most insurance policies won't cover you for events that are caused by incompetence, although professional indemnity will cover you for some types of negligence
Drugs or alcohol: If you or your employees were under the influence when the event you want to claim for occurred
Damage to property being worked on: Some policies won't cover damage to a person's property caused while you are working on it
Wear and tear: Insurance won't pay out for damage or breaking of tools or equipment that are the result of general wear and tear
Breach of contract: Some types of insurance will exclude cover for costs arising from you breaching a contract
Improper use of business vehicles: If you're using vehicles for work purposes without declaring that to your insurer, or if the person driving is not covered by the policy
No, you usually will not need a window cleaning licence in order to work as a window cleaner in the UK.
If you work in Scotland, however, you may need to obtain a window cleaning licence from your local authority.
No, window cleaners are not legally required to have business insurance but it is highly recommended to protect yourself financially if your client or a member of the public makes a claim against you.
No insurance is legally required if you have your own window cleaning business unless you hire other members of staff, in which case you will need to buy employers liability insurance.
However, business insurance - and especially public liability insurance - is strongly recommended.
If you employ anyone else within your business, you are legally required to have employers' liability insurance.
This type of insurance will cover you if your employee makes a claim that they injured themselves because of their work for you.
If you pay for your insurance on a monthly basis, interest is usually added to the payment so you will pay more overall. Therefore if you can afford it, it’s usually cheaper to buy your policy in one go.
The right insurance policy for you depends on the cover provided and also the price. You can find the right insurance policy to suit your needs in minutes by following our quick and easy quote process. We’ll ask for a few details and then show you a range of quotes from major UK providers to suit your budget.
Window cleaners are often up ladders or in risky situations when carrying out their job. That’s why having an insurance policy can be a financial lifeline as it can cover your costs if you have an accident or you’re ill and you can’t work. According to the Health and Safety Executive, in 2023/24, 33.7 million working days were lost to staff members being injured or unwell.
Business insurance can cover a lot more than lost income too, from protecting your equipment to covering your costs if a member of the public makes a claim against you.
Rebecca Goodman Personal Finance & Insurance Expert
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No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
According to Simply Business data, 10% of customers paid this amount or less monthly for a Window cleaners insurance policy. Figure based on annual policies purchased in 2024.
Simply Business is one of the UK's leading providers of business insurance, serving 1 million customers across 1,500 trades.
Source: Gov.uk
Simply Business data 2024
YouGov Survey 1st October 2023 to 30th September 2024. Net recommended score derived from “Which of the following online service website would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=19272, CompareTheMarket n=17631, Go.Compare n=10457, Confused.com n= 8421, Uswitch n=681)
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
According to Simply Business data, 10% of customers paid this amount or less for an annual window cleaners insurance policy. Figure based on policies purchased in 2024.
According to Simply Business data, 51% of customers paid this amount or less for an annual Window cleaners insurance policy. Figure based on policies purchased in 2024.
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
