Why Do I Need WINDOW CLEANER Insurance?
Having insurance is vital for any trade business, whether you are a Window Cleaner, Landscaper, Locksmith, Gardener or whatever else. As a self-employed tradesman or woman, you are supposed to provide a duty of care to your customers and their properties whilst offering to finish the job to the highest specification available. As with everything in life, safety isn't guaranteed. As much as we can risk assess situations, you will always find yourself in a sticky situation, and from time to time, you may need to claim on your tradesman insurance. That's all it is. Your safety net should something go wrong.
At Rhino Trade Insurance, we offer a variety of trade insurance options for Window Cleaners, such as:
Employers' Liability Insurance
One of our popular pieces of trade insurance is Employers' Liability Insurance. This is for anyone who manages their own business and employs members of staff. If you have a team working for you, you are legally required to hold this type of insurance as it protects you from a claim arising due to an employee causing injury, injuring themselves or causing damage from the work you set them.
At Rhino, our Employers' Liability Insurance cover starts at just £6.07 a month and can easily be added to your Public Liability policy. What's more, if you have staff and don't have this insurance, you can be fined a maximum of £2,500 a day. Find out more about this policy from our latest blog post now.
Personal Accident Insurance
As a self-employed Window Cleaner, the worst thing could be having an accident where you can't work and lose out on income. If you are a perfectionist who loves getting every last mark out of a window but somehow manages to slip off your ladder and injure yourself, then Personal Accident Insurance is there for that rainy day fund. For less than £8 a month, you could get cover if you can't work - depending on your policy, you could get a lump payout of £50,000. But hopefully, you will stay fit and healthy and able to work!
As a Window Cleaner, having your tools insured is a 'proper important' thing to do, as we'd say up north. Your tools are everything, whether that's your van, ladders, equipment, materials or whatever else. It all costs money, and without it, you wouldn't be able to do your round. That's where our popular Tools Insurance comes to the party. It will cover you for up to £10,000 worth of equipment and tools should they be stolen, get lost or damaged. Every tradesperson knows someone at some point who has had their tools nicked, so get covered now. Find out more here.
Income Protection Insurance
Another popular one among our friends in the Window Cleaning game. Income Protection Insurance by Rhino offers you the chance to cover yourself financially should you be unable to work. Similar to Personal Accident Insurance, if you can't work because of something physical or you suffer from illness, you will be covered by a monthly fee paid out to you. This means you wouldn't have to worry about losing any income or any financial commitments you have through your work. It will all be covered. Find out more about this and all of our other valuable pieces of insurance here.
You can find out about Income Protection Insurance and all of our popular cover options by checking out this page. Have you got any questions? Give us a bell on 0116 243 7904.