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WINDOW CLEANER INSURANCE
Whether you spend your days going up and down ladders on your local route or work cleaning office block windows, life as a Window Cleaner is not light work. From managing your customer base, sourcing materials, working at heights and making sure you leave the job clean, prim and proper, your days are varied and can always throw up something new.
At Rhino Trade Insurance, we have insured many Window Cleaners since we started our insurance journey. Up and down the country, you can find the hardworking men and women cleaning french doors, skylights or double openers who have our trade insurance. But why should you join us?
The importance of WINDOW CLEANER insurance
For anyone who works as a Window Cleaner, you will know that one wrong move and you could be paying through the nose in compensation. You are dealing with customers, their property and members of the public at the end of the day - something we'd call an insurance cocktail.
Considering some trade insurance for your business could save you an arm and a leg if anything ever goes wrong. Having the right level of cover could keep you from paying out for a damaged window, injuring a passer-by or worse, killing someone.
At Rhino Trade Insurance, we offer varying levels of trade for Window Cleaner Insurance because there's no one size fits all when it comes to your insurance. All of our policies are handmade solely for your trade, and having worked with plenty of Window Cleaners, we know what can happen whilst on the job, so it's best to have some form of cover for your business.
Public Liability Insurance for WINDOW CLEANERs
Kicking things off, our most popular form of Window Cleaning insurance is our Public Liability Insurance. This is your bread and butter when taking out a trade insurance policy. At a minimum, you should have this type of policy, and if you'd prefer more cover, build it on top of this.
To give a quick overview, Public Liability Insurance protects your business should you manage to cause injury to your customer or a member of the public or inflict damage to their property because of the work you are doing at the time. As we mentioned earlier, this also covered you for accidental death, which is highly unlikely but still something that should be covered for.
Having Public Liability Insurance is a real asset for your company. It isn't a legal requirement, but we scratch our heads daily, wondering why not. Without it, you'd be hard-pressed to find work or manage to secure contracts with local businesses or associations. For example, if you were in the running to secure a new Window Cleaning route that happened to be on a council estate, the council which runs the estate will demand that whoever wins the contract have the right level of Public Liability cover in place before any contracts are awarded.
What's more, if you are a bit of a techy and love to find newer ways of honing your craft, being a part of any trade bodies or organisations will also require you to have some level of insurance in place before joining their body.
At Rhino, our trade insurance starts at a mere £6.07 a month, with cover levels ranging from £1 million to 10 million pounds on request. Just think, to get yourself up and running, our coverage is less than what you charge for one whole house of window cleaning - an absolute bargain!
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!
Tools Insurance
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.
How Much Does WINDOW CLEANER Insurance Cost?
It doesn't cost you an arm and a leg like a potential compensation payout could. Having insurance is the sound thing to do to protect your business. Once you ring us to take out a policy, we will work out your level of risk to make sure you are fully insured and paying the best possible premium. The ingredients that go into a quote are as follows: the trade you are in, your business turnover, the number of workers you're insuring, and a few other minor details.
Why Choose Rhino for your WINDOW CLEANER Insurance?
At Rhino Trade Insurance, we have experts dedicated to the trade industry on-hand to help us create the best policies depending on the work you do. We tailor all of our insurance products to whatever you do and are based right here in the UK should you ever need any questions answered quickly.
We also pride ourselves on offering prices cheaper than almost all of the market. Find a price cheaper, then let us know! What's more, we understand tradespeople; you are busy focusing on your current project. That's why we have a super-fast online quote system that will give you a price in less than 60 seconds. Try it now and join the Rhino clan.
