After finishing a commercial window cleaning job, your securely locked van is broken into overnight. Water-fed poles, hoses and tools worth $4,500 are stolen, forcing you to cancel jobs while replacing equipment.

Tools of Trade insurance may respond to theft from a securely locked vehicle or building where there’s evidence of forced entry.

Driving between jobs, a stone hits your windscreen and the crack quickly spreads. The glass is the only damage. You need it replaced fast to stay on the road and keep your bookings on time.

Windscreen damage is typically covered under a Comprehensive Motor Vehicle Policy and the basic excess may be waived.

You’re cleaning shopfront windows early in the morning. A hose runs across the footpath and a passer-by trips, injuring their ankle. They claim medical costs and lost income, alleging poor hazard management.

Public Liability insurance is designed to cover third party injury claims arising from an occurrence arising from your window cleaning work.

While cleaning exterior windows, your ladder shifts and strikes a glass balustrade on a balcony. The panel cracks and must be replaced. The property owner claims repair costs and lost use of the area during repairs.

Public Liability Insurance may respond to third party property damage claims arising from your business activities.