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Window Cleaners Insurance

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Window cleaners insurance

Window cleaning insurance NZ

Window cleaners insurance is a specialised type of insurance policy designed to protect window cleaning professionals and businesses from potential risks and liabilities they might face in the course of their work. This can include accidents, damages, or injuries that might occur while cleaning windows, especially those at great heights.

Why is window cleaners insurance important? 

Window cleaning, especially for high-rise buildings, involves certain risks. The height and complexity of the job mean that accidents can happen, and when they do, the costs associated with them can be immense. Window cleaners insurance acts as a safety net. It ensures that in case of any mishap, the financial aspect of recovery doesn’t become an added stressor for you or your business.

In New Zealand, the average cost of window cleaners insurance typically ranges between $100 – $200 per month. 

It’s crucial to have window cleaners coverage if your business:

  • Cleans high-rise building windows
  • Employs multiple window cleaning staff
  • Uses specialised cleaning equipment
  • Operates in busy urban areas

What covers are typically included in window cleaners insurance? 

Public Liability

This policy covers common window cleaners business risks including bodily injuries, customer property damage, and advertising injuries. 

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps window cleaners businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Tool Insurance

Safeguards your window cleaning equipment against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.

 

Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Employers Liability

This insurance helps protect window cleaning businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

How much does window cleaners insurance cost?

Window cleaners insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Window cleaners insurance in NZ typically costs between $100 to $200 per month

Who needs window cleaners insurance?

Any individual or business involved in the window cleaning industry in New Zealand should consider window cleaners insurance. This includes:

  1. Independent window cleaning contractors.
  2. Businesses that employ window cleaners.
  3. Companies that service high-risk areas or high-rise buildings.
  4. Businesses expanding their service area or scope.

No, window cleaners insurance is not legally mandatory in New Zealand. However, many clients and contractors might require you to have it before they engage in business with you due to the risks associated with the profession.

Yes, a comprehensive window cleaners insurance policy often covers damages to or theft of specialised equipment and tools. However, the specifics might vary from one policy to another, so always check the details.

How do I get proof of window cleaners insurance

You can usually get proof of insurance same day when you purchase insurance through Gerrards.

Acquiring a window cleaners insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our window cleaners insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does window cleaners insurance not cover?

Contractual Liabilities

Liabilities assumed under a contract unless previously specified.

Known Claims

Issues or events you knew about before the policy started.

Wear and Tear

Regular wear and tear of tools or equipment.

Other common questions about window cleaners insurance

 Yes, just let us know about all of the activities your business is doing and we can get them covered under one policy.  

Some ways include taking safety courses, implementing rigorous safety protocols, regularly maintaining equipment, or bundling multiple insurance policies together.

Yes, most insurance providers allow for mid-term adjustments. You can add or reduce coverage as your business needs change.

In the event of a claim, contact us. We will guide you through the process, which usually involves documenting the incident, providing evidence, and cooperating with any investigations.

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