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Why do window cleaners need insurance?
Window cleaning is one of the most risky professions. An employee could fall off a ladder, or a client could sue over accidental damage to their home. Window cleaning insurance policies can help pay for medical care, lawsuits, and repairs. Some policies, like workers' comp, may be required by law.
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What types of business insurance do window cleaners need?
These insurance policies cover common risks of window and gutter cleaning.
General liability insurance
A general liability policy protects against basic third-party business risks, such as accidental damage to a window caused by a squeegee.
BEST FOR
- Damaged client property
- Slip-and-fall accidents
- Personal injury lawsuits
Workers’ compensation insurance
Most states require workers’ comp for window washing businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical costs
- Disability benefits
- Legal fees from work accidents
Commercial auto insurance
This insurance coverage pays for accidents involving your window cleaning company's vehicle. Each state has its own auto liability insurance requirements.
BEST FOR
- Property damage caused by your vehicle
- Medical expenses from an auto accident
- Vehicle theft and vandalism
Business owner's policy
A business owner's policy (BOP) combines general liability coverage with commercial property insurance at a discount. It's one of the most cost-effective policies for window cleaners.
BEST FOR
- Customer bodily injuries
- Customer property damage
- Window cleaning equipment coverage
Commercial umbrella insurance
This type of coverage boosts the limits on a window cleaner’s other liability policies. It’s a cost-effective way to meet client demands for higher limits.
BEST FOR
- General liability insurance claims
- Commercial auto insurance claims
- Employer's liability insurance claims
Janitorial bonds
Janitorial bonds are a type of surety bond. If an employee steals from a job site, a janitorial bond will reimburse the client.
BEST FOR
- Stolen money
- Property theft
- Other theft and fraud
Looking for different coverage? See more policies.
How much does window cleaning insurance cost?
A small business can expect to pay less for insurance than a larger company.
Factors that affect premiums include:
- Services offered, such as gutter or window cleaning services
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get window cleaners' insurance?
It's easy to get window cleaning business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. carriers to find the right small business insurance for window washers, whether you work independently or hire employees.
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