Insurance for window cleaners

From public liability to tools cover, you choose what goes into your policy, so you only pay for what you need.

  • We guarantee to beat your quote or renewal premium from any other insurer.

    Excludes van. New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

  • 0% APR on your monthly direct debit payments in the first year.

    Over 18s, subject to eligibility.

  • Download your policy documents instantly to show proof of your cover to clients.

Window cleaners' insurance that's a rung above the rest

We insure over 500,000 sole traders and small businesses, so we know what support you need from your insurance provider.

Some of the perks of having business insurance with us include:

Personalised insurance

Choose from a range of cover options to get a bespoke policy for your business.

Your own dedicated claims handler

If you need to make a claim, you'll have a dedicated person dealing with your case from start to finish.

Unlimited access to our 24-hour legal helpline

Consult with a team of solicitors and legal experts whenever you need to.

Unlimited policy changes

Hired an employee or expanding your service? We don't charge you admin fees if you need to amend your policy.

10% off your new window cleaners' insurance policy if you're already a Direct Line customer

Discount applies to your new business insurance policy. Subject to minimum premiums.

Get a quote
or call us on 0345 303 1761

Bespoke cover for your window cleaning business

Whether you offer residential or commercial window cleaning services, you know there’s a lot more to the job than just leaving the glass gleaming. From making sure you don’t damage a customer’s property to keeping your employees safe as they work, you’ve got a lot to think about.

We let you tailor your insurance to cover all the risks you face. Include any of the following covers in your policy to get insurance that’s just right for your business. These covers are subject to policy conditions and limits.

  • Public liability

    Window cleaning public liability insurance covers you if you or an employee accidentally damages someone’s property while you’re working, for example, if you accidentally break the guttering on someone’s home.

    This type of insurance also covers you if someone gets injured because of your business activities. For example, if a member of the public trips over your ladder and hurts themselves.

    If someone makes a claim against you, public liability insurance will cover your legal fees and compensation costs. We can offer cover from £1 million to £10 million, depending on your business activities and requirements.

    Excess per claim:

    • Third party property damage - £250
    • Third party property damage, escape of water - £500
    • Third party injury - £0

    Read more about public liability

  • Damage to third party property

    We can extend your public liability cover to include damage to the property being worked on, e.g. if you are cleaning a client’s window and you accidentally crack the glass.

    Excess: you will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £250 up to a maximum contribution by you of £500.

  • Employers' liability

    If you have employees, you’re legally required to hold employers’ liability insurance. This covers you if an employee is injured or becomes ill due to the work they do for you. For example, if an employee falls while they’re working on a ladder and they don’t have the adequate safety equipment to protect them.

    If you take out this insurance, we will cover you for £10 million, as standard. If you choose to include employers’ liability insurance in your policy, you’ll need to take out our public liability insurance as well.

    Read more about employers' liability

  • Temporary employee cover

    If you take out public liability or employers’ liability insurance with us, you’ll automatically get cover for temporary employees, if you use them.

    The maximum number of days we cover temporary employees for will vary depending on the number of manual workers in your business.

    • 1 – 5 manual workers - 60 days
    • 6 – 10 manual workers - 100 days
    • 11 – 15 manual workers - 150 days

    Please note that the maximum number of days reflects the total number of days worked by all of your temporary employees. So, if you have seven manual workers in your business, we will provide cover for 100 days worked by all temporary employees in total.

  • Tools and business equipment

    If you can't run your business without the use of certain items, it's worth including tools and business equipment insurance in your policy.

    Our cover will pay to replace any tools or equipment that are stolen from you or an employee, such as cleaning products, pressure washers, poles, ladders, steps and buckets.

    We can cover tools stolen during the day, as long as the tools are secured in a locked building or in a vehicle where all points of access are locked.

    Cover limits:

    Tools owned by the business

    • Up to 5 workers – £40,000
    • Up to 10 workers – £50,000
    • Up to 15 workers – £75,000

    Tools owned by your employees - up to £10,000 per person

    Excess per claim - £100

    Read more about tools and business equipment cover

  • 24-hour tools cover

    If you’re concerned about your tools getting stolen overnight, you can upgrade your tools and business equipment cover to include 24-hour tools cover for an additional premium.

    Cover conditions: your vehicle must be secured at all points of entry and any alarms or immobilisers must be set. Tools must be hidden from view and removed when the vehicle is not being used for business purposes for more than five consecutive days. Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, handheld survey equipment etc.

    Cover limit: there is a limit of £10,000 per claim and a single article limit of £1,500.

    Excess: you will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £100 up to a maximum contribution by you of £500.

  • Legal expenses

Get a quote
or call us on 0345 303 1761

Policy documents

View and download our policy documents here:

Frequently asked questions