It was only April this year that I got insurance, and that was only because in order to obtain a waiver from the council to park on parking restricted streets, a sign written van was'nt enough apparantly. Only a copy of liability insurance was an acceptable proof of being a legitimate window cleaner.
I have been in business 4 years prior to that with no need for it.
Perhaps I have just been lucky.
It does give me peace of mind this year though as winter approaches.
My biggest concern has always been the claim culture thats sprung up e.g. icey pavements in the snow, someone slips, then they see a hose across the pavement disappearing around the back of a house !
Remember a while ago on this forum a guy who nearly got sued after a girl on a mobile phone fell off a bike she was riding on the pavement and after the event tried to somehow blame him ?
as per usual its all the other idiots you have to worry about