Is there a insurance that will cover you for damage to property whilst working ie glass breaking dropping something on a car etc
and what is the annual cost
thats what i have, i asked those questions £68.01 per year as long as your only a window cleaner be more if you do gutters etc,but £500 access which is alot but i want insurance incase i break something expensive plus that quotes got public liability up to £1 million
think about it whats the chance of you breaking something worth more than the £500 excess? you may as well pay for the damage out of your pocket!
I agree that there's not much chance of damaging something worth more than £500. But what happens if you damage a person? Medical bills rocket very quickly as when insurance is involved, it's private sector rather than NHS. £500 would barely cover a relatively minor slip injury by the time a couple of consultations, a bit of physio, lost time from work etc. had been taken into account. And that's a minor injury. Imagine a pole blowing over onto the head of a young, high earner with a family. A serious injury claim could run past a million easily. All unlikely of course but damaging property is a minor issue relatively speaking.
im not talking about public liability, ive got that, its the optional extra of property damage, a new window pane is gonna cost you a maximum of couple of hundred depending on the size etc, you wouldnt claim if its gonna cost you hundreds extra in excess. you would get the local window fitter to fix it. 
I see now. You were referring to that bit about whether or not to cover the "property" (i.e. item) being worked upon.
I have questioned whether or not that is worthwhile myself. I didn't used to bother with that particular part of the insurance and had a more basic one. As you say, "property weorked on" policies are more expensive and have a higher excess. I only switched to the extra cover when I started doing more commercial work. There are some pretty large high panes that I do and you don't have to actually break them for a claim to be made. It only needs someone to see some scratches and decide to blame the window cleaner and you could end up with an expensive legal battle if you haven't got an insurer fighting it. I do some shop fronts with some very thick plate glass that would cost a lot to replace. I also do some large double glazed units with tinted glass that would also be expensive - though I must admit I don't know exactly how much. I like the comfort of knwing that my liability would not exceed the excesss. If I was just doing domestic still though, I would go for the cheaper policies.