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Public liability insurance is designed to cover you for any property damage and/or personal injury that is suffered by a third party, including clients, neighbours and members of the public that is caused by negligence during your cleaning activities.*
As a window cleaner, you’ll know that your work comes with its own set of risks for the general public. From falling cleaning equipment, to slip and fall accidents, there is always the potential for someone to get hurt or suffer damages as a result of your work. When this happens they can take you to court for compensation for any financial losses they have suffered.
Public liability insurance for window cleaners is designed to protect you from the financial losses that result from a successful liability claim. Such policies may cover the costs of legal representation in defending such claims as well as any financial compensation that is ordered by a court if you are found to be liable.
Public liability insurance may protect you from the impact of accidents when cleaning equipment is being moved or set up that cause injury to people or property. If your window cleaning business operates on multi-storey buildings, this may involve working at heights and the use of elevated work platforms and machines such as cherry pickers which come with their own risks and safety issues.
Even when you take all possible care, accidents can still happen and sometimes they have serious consequences. An incident that results in major property damage or physical injury has the potential to bankrupt you or your business unless you have appropriate insurance in place.
Public liability insurance is designed to cover you for any property damage and/or personal injury that is suffered by a third party, including clients, neighbours and members of the public that is caused by negligence during your cleaning activities.
Even when you have taken all the right precautions and believe you are not in the wrong, an adverse court decision could result in an award of significant monetary damages to the victim ; as well as you being responsible for the fees from your legal representation. Public liability insurance may protect you by covering these costs and is a must for your peace of mind when operating your window cleaning business.
Public liability insurance in Australia typically provides self-employed window cleaners cover for:
Public Liability Insurance cost for a window cleaners will depend on various factors including the size of your business, the type of work you do and the types of clients you service.
Work on Commercial Building Sites
Have Employees
Work for councils or government departments and require 20 mil liability costs will be higher.
*Important : the above is a guide only; pricing may vary significantly from the above based on your size, clients, experience and window cleaner activities.
List of states and territories in Australia we can help window cleaners find the insurance cover they need:
We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.
And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.
Insurance Broker Code of Practice: We subscribe to and are bound by the Insurance Brokers Code of Practice a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au/insurance-brokers-code-of-practice
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
*Important: Insurance protection may be available only subject to meeting insurers underwriting criteria. Some of the insurance protections listed may not be available or may have limitations or exclusions. Insurance protection cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Please check your policy schedule carefully for inclusions , exclusions and limitations. Talk to a business insurance broker on 1300 670 250 for more information.
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The information in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.
Contact an authorised insurance broker , accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between the author and the reader.
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