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 can cover compensation you're legally liable to pay for third-party property damage caused by your window cleaning activities.

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 cover can respond to theft from a securely locked vehicle or building where there's evidence of forced entry.

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 can cover personal injury claims arising from an Occurrence connected to your window cleaning work.

You open the van and a water fed pole slides out onto the street, cracking a parked car's windscreen. The driver seeks replacement costs and makes a claim, saying your load caused the damage.

Cover may apply where goods falling from your vehicle cause accidental damage to someone else's property.