when i first started cleaning windows on my own, i didn't have any public liability insurance for the first 2 weeks. i thought i'd get around to getting the insurance pretty soon, when i had some money (as i didn't have any money to buy insurance with, cause i'd just bought the round and equipment and stuff)
part of my round was bungulows, and i didn't have an A-frame. so i just used the front section of my ladder. i rested it against a gutter, there was a sudden gust of wind, and the ladder fell against a brand new car. i ended up footing the bill of £500 (in my first week of being self employed). sods law. absolute sods law. i'm paying for insurance from that point on. i've never had any sort of accident since. sods law