Window Cleaning Insurance
Specialist business insurance for window cleaners from £4.43 a month.*
- Public Liability up to £5 million
- Damage to the item or surfaces being cleaned
- Join over 150,000 customers**
- Flexible Payment Plans – 0% APR
From £4.43* a month
Save 10% Onlineˆ
What does window cleaning insurance cover?
Our insurance for window cleaners can include the essential liability cover you need to protect you against claims you might receive and avoid financial losses. Public liability for window cleaners is included and you can add extras such as employers’ liability, depending on the requirements and size of your business.
Our policies are designed to be flexible for window cleaners, whether you operate from a fixed location, are a mobile cleaner or are in charge of cleaning staff our policy can allow you to select the cover level most suitable for you.
Make sure you have the correct insurance for your event and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Equipment
Property Damage
Employers' Liability
Loss of Keys
Public Liability
- Up to £5 million available.
- Protection from claims filed by a third-party (i.e. member of the public) who sustains injuries during the event or has their property damaged.
Equipment Cover
- Up to £250 covered as standard.
- Increase up to £12,000 worth of cover.
- Cover for your equipment against theft, loss and accidental damage. Optional increase to the cover to include theft from unattended vehicles.
Property Damage from Cleaning
- Up to £2,500 covered as standard.
- Increase up to £5000 worth of cover.
- For damage to the item(s) or surfaces you are cleaning at the time you are cleaning it. It also covers damage caused by chemicals you use. Excluding cleaning of machinery and cleaning involving sand blasting and/or pressure cleaning of any nature.
Employers’ Liability
- Up to £10 million available.
- Protection from claims against employee incidents, if that employee suffers a work-related injury and brings a claim against you.
- If you employ any staff members, Employers’ Liability is a legal requirement.
Dishonesty Cover
- Up to £10,000 for the period of cover, restricted to a £1,000 per employee.
- Cover if your employees have acted dishonestly, fraudulently or committed embezzlement.
Loss of Keys
- Up to £5000 for new keys, replacement locks, the cost of re-setting intruder alarms and associated call-out costs.
- Wear & Tear of equipment.
- Theft of tools from unattended vehicles unless the optional cover to include has been added.
- Businesses over 5 employees including yourself.
- The cleaning of machinery, with the exception of domestic ovens.
- Sand blasting and/or pressure cleaning of any nature.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need window cleaners insurance?
As a window cleaner, your clients depend on you to deliver impeccable cleaning services wherever you are. They count on your attention to detail and reliability to ensure spaces are pristine. However organised and efficient you are things can go wrong and it’s worth being prepared. Window cleaners insurance offers protection for cleaners against potential claims that may arise from various risks and incidents during your work.
With our window cleaning insurance, you can be confident that you are taking steps to safeguarding yourself from significant financial losses. Consider some common scenarios that could lead to claims:
Protection from claims if a member of the public gets injured.
This could be a client tripping over your window cleaning equipment, whilst your working, or it could be damage caused to a personal affect like staining a household surface. Either way, in the event of incidents like these, you are vulnerable to a substantial compensation claim, as well as other associated costs.
To make sure you’re protected against these claims you’ll need the correct value of public liability insurance to ensure you’re covered.
An employee or temporary worker suffers an accident during work.
Employees may be at risk of accidents or injuries during their cleaning work. If employees or temporary workers clean for you, employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.
Protect window cleaning equipment from damage claims.
Depending on your window cleaning services, you may have invested in expensive tools and equipment, which could become damaged or lost. For instance, whilst transporting your equipment from job to job, it could be dropped and subsequently damaged.
With the right window cleaners equipment cover you can make a claim to replace or repair equipment you’ve hired, leased, loaned, or own yourself.
Protection for specific window cleaning damage.
If a window cleaning chemical, you use causes damage to a carpet or floor surface for example you could be responsible to cover the cost of the damage. This accident could cost you hundreds of pounds to remedy.
Having suitable window cleaning damage cover can safeguard you from these costly incidents, providing protection from these related claims.
Our experts explain why...
“Window cleaning presents distinct challenges – particularly when working at height, on multi-storey buildings, or with specialist or heritage glazing. These environments demand not only technical skill, but robust insurance cover tailored to the realities of the job.
Window Cleaning Insurance plays a vital role in protecting against incidents such as equipment falling and damaging property below, accidental breakage of glass during cleaning, or injuries sustained when accessing hard-to-reach areas. The potential financial impact of scratching custom-tinted commercial windows or damaging decorative frames on listed buildings can be significant.
That’s why our tailored Window Cleaning Insurance has been designed with your industry in mind. It provides comprehensive protection for the specific challenges you face, giving you the confidence to take on work of any scale or complexity, knowing you’re backed by a policy built to meet professional standards.”
Chris Trotman, Protectivity Underwriting Manager
How much does window cleaning insurance cost?
Each window cleaning business will offer a unique service so, the cost of window cleaners insurance can vary depending on what you offer and the level of cover you need. For example, if you use specialist equipment to create your items you may need to increase the value of cover.
Policies start at just £4.43* a month.
Prices from
£4.43* a month
Explainer quote
Policy cost
£4.43* a month
Policy type
Window Cleaners Insurance
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Equipment
£250 (£75 excess)
Property Damage from Cleaning
£2500
This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your window cleaning insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Is pressure washing of external surfaces covered under window cleaning insurance?
No, pressure cleaning of any nature is excluded from cover. If you engage in pressure washing, you’ll need to seek specialist insurance for that activity.
How does my insurance cover window cleaning in retail environments with valuable window displays?
Public Liability will protect you against third-party claims if you accidentally damage valuable displays or property while cleaning shopfronts or windows.
What happens if severe weather conditions cause an accident while I’m cleaning windows?
Public Liability would cover injuries or damage to third parties during such incidents, assuming you’re not found negligent in your decision to continue working in unsafe weather.
Am I covered for cleaning solar panels and photovoltaic installations?
Yes, as long as the panels are the item being cleaned and not considered machinery, Property Damage from Cleaning would apply. Care must be taken to use non-damaging methods and approved solutions.
Does your window cleaning insurance cover working on listed buildings or historical properties?
Yes, cover applies to listed or historic properties under Public Liability and Property Damage from Cleaning, provided you follow any specific care or conservation guidelines.
What happens if I accidentally damage window blinds or curtains during cleaning?
Damage to blinds or curtains during cleaning would be covered under Property Damage from Cleaning, assuming they are part of the items you’re cleaning at the time.
Does your policy cover window cleaning using cradle systems on commercial buildings?
Yes, Public Liability insurance will provide coverage, as long as all work is conducted in accordance with relevant safety standards. If the work involves specialist cradle operations, a risk assessment and appropriate training may be required.
Please note, we are unable to cover any work performed at heights exceeding 5 metres above the surrounding floor or ground level.
Am I insured for damage to conservatory roofs or skylights?
Yes, if the damage occurs during cleaning and falls under Property Damage from Cleaning, it’s covered up to the selected limit. Be cautious with fragile or specialty structures.
Am I covered if cleaning solutions damage specialist glass treatments or films?
Yes, Property Damage from Cleaning covers chemical damage to items being cleaned, including specialist glass, unless exclusions apply (e.g., certain machinery or prohibited methods like pressure cleaning).
Does this insurance cover accidental damage to window frames, glass or fixtures?
Yes, Property Damage from Cleaning covers damage to surfaces and items you’re cleaning—including frames and glass—up to the policy limit. Damage from cleaning chemicals is also included but not damage from sand blasting or pressure washing.
Are water-fed pole systems and related equipment insured?
Yes, Equipment Cover includes theft, loss, and accidental damage to cleaning tools and systems such as water-fed poles, up to the insured limit. You can increase the cover and add theft-from-unattended-vehicles protection as needed.
What insurance do I need for cleaning windows on multi-storey buildings?
You should have Public Liability for third-party injuries or property damage, and consider Employers’ Liability if you have staff. For high-rise or cradle work, make sure you follow safety regulations and use trained professionals. Please note, we are unable to cover any work performed at heights exceeding 5 metres above the surrounding floor or ground level.
Does my window cleaning insurance cover working at height with ladders and platforms?
Yes, as long as you’re complying with health and safety regulations, the Public Liability insurance would cover claims for injury or property damage resulting from your work at height using ladders or platforms. Please note, we are unable to cover any work performed at heights exceeding 5 metres above the surrounding floor or ground level.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data