Why does a window cleaner typically purchase insurance for public liability?

A window cleaner typically purchases insurance for public liability primarily for peace of mind. This type of insurance protects against claims made by the public for injuries or damages that may occur as a result of their work, such as a slip and fall incident or property damage. Having this insurance allows the window cleaner to operate with confidence, knowing that if an unfortunate incident were to happen, they would have financial backing to address any claims.

This peace of mind is critical for professionals whose work involves interacting with the public and potentially creating hazardous situations. By having public liability insurance, the window cleaner can focus on their job without worrying about the financial implications of possible accidents.

While the other options may have relevance in certain contexts, they don't encapsulate the primary motivation behind purchasing public liability insurance as effectively as the desire for peace of mind. For instance, while insurance may be a tax-deductible expense, that alone does not necessarily motivate a window cleaner to buy it. Similarly, while some trades might require a specific type of insurance, that's not universally applicable and does not directly align with the overarching concern for personal security and reassurance in one's profession. Lastly, the notion of being risk-averse for more trade, while a valid consideration, is also secondary to the relief that comes from