AIBU to ask who's responsible if a window cleaner falls off his ladder on your property?

[todayandnottomorrow]

We have a new window cleaner starting that many people in the area seem to use. He uses ladders. I suddenly thought, what if he falls on my property and hurts himself? It got me panicked. Would I be accountable?

He just squirts his jet thing up at the window
😂

as others have said, your home insurance should cover you for anything related to your home, but he should additionally have his own insurance.
Ask him what insurance he has in place.

Many window cleaners do not use ladders except where necessary and where there is no alternative. - Why window cleaners don't use ladders anymore | Jet Wash Seal

They use ladders here, although there are some that use jets/poles. We are a terraced house

A 13 foot ladder plus the height of the window cleaner has got to be more than enough for all but the stately homes imo

Are you in the UK? Is is some kind of local town rule that they can't use ladders, that sounds very micro managing, how is it enforced?

I really resent this sort of tone. it's a question because I asked it

This reminds me of that 'I was given the wrong kind of ladder' advert
And the fringe lady

You've got to admit that it is a bit of a daft question, as PPs have pointed out unless youve pushed them how would it be your fault?

Our (ex) window cleaner fell off his ladder and ended up having to have his leg amputated. It does happen (thankfully not at our house)

Eh?
Him!

My next door neighbour fell off his roof.

Luckily he missed my car. (adjacent driveways)

Was useful as I was able to drive him to A&E.

I think it’s a perfectly reasonable question. You might be deemed responsible without it being your actual fault. In this case, it’s fine, though.

Yes, I’m in the U.K. Never seen a window cleaner with a ladder in years. 13 foot isn’t very high at all.

You say that. My stepdad fell off his ladder cleaning windows and smashed both his ankles. So while quite unlikely, not impossible

it's a reasonable question as people do worry about being sued. not everyone carries adequate home insurance to cover people who injure themselves on your property (friend who tripped over uneven paving stones, claims back injury) even if you don't push them.
it's certainly a thing where i live and neighbors will mention which fellows carry or don't carry adequate business insurance.
dh is on top of h&s regulations and certainly checked how some fellows who did roof work were tied off.

Unless he's got a mate to hold the ladder he won't get any pay out but it's not you either way.

You don't really get insurance policies that pay you compensation for injuries you cause yourself. Everyone would be flinging themselves off a ladder whenever they needed a couple of grand.

Unless you did something to make him fall...it's his insurance

Ok so not that they don't exist, I was wondering where there was a place where there were no windows cleaners with ladders

I'd be amazed if there are literally none, I'm sure my area isn't unique in having window cleaners perfectly capable of cleaning upstairs windows with ladders they can't all be working unsafely

The company I use has only recently stopped using ladders and now have a squirty system, I think I could do that myself!

His insurance for what?

His insurance isn't going to pay him for injuring himself.

Our last window cleaner used (and still uses) ladders. No idea about the legal side but if a carpenter drilled through his thumb on your property you wouldn't think you were liable, would you?

Because he'd be on her property, and you frequently hear stories of people being sued when someone gets hurt on someone else's property.

Our window cleaner doesn’t use ladders but my neighbours window cleaner does,

Just hire someone else if it bugs you

Ignore. Some people on mumsnet would try and start an argument in an empty room.