FROM OUR PARTNERS
Whether you are cleaning the windows of a one-story house or a skyscraper, cleaning window insurance can help cover the risk of liabilities, bodily injuries, and property damages. We’ve evaluated the best window cleaning insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.
Simply Business provides insurance policies for a range of professions and small businesses.
For more than 200 years, the Hartford Insurance helped over 1 million businesses just like yours.
Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.
Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.
With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.
Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.
Window cleaning insurance provides your business with financial coverage if an accident happens from a job. One story buildings have a lower risk of accidents than skyscrapers, but even if you have a company that only does low risk jobs, it can help you avoid costly financial losses should a claim be made against your business.
If your business requires cleaning plate glass, your employees are exposed to unique risks associated with the industry. This means that you will need a specialized window cleaning insurance policy to cover these unique risks.
Carrying the right type of insurance for your window cleaning service is not only required by law (in some states), but also helps establish more credibility in the eyes of a customer. If compared to a company that does not have insurance, your company will look more professional and will most likely result in getting the job over one without it. Window cleaning businesses will usually carry general liability insurance, workers’ compensation insurance, commercial auto insurance, surety bonds, and commercial umbrella insurance. There are other options that provide further coverage, but these policies are the most commonly purchased.
Common types of window cleaning insurance
This type of policy covers a wide variety of claims that could be made against your business due to accidents and other common risks. It will offer financial protection if someone other than you or your employee(s) is injured, or non-company property is damaged and you are held responsible.
If you are using a vehicle or trailer to transport materials and tools to project sites or to carry out necessary actions for the job, it is a good idea to consider commercial auto insurance. It is also required in most states.
Workers’ compensation insurance will ensure that an employee that gets injured on the job will have medical bills and rehabilitation paid for, as well as any lost wages. Employer’s liability insurance is also usually included in workers’ compensation insurance. It covers events such as if an employee files a lawsuit blaming your business for negligence that led to an accident. Employers’ liability insurance will protect your business from costs like settlements, court fees, and attorney fees.
An add on policy to an existing general liability policy, commercial umbrella policies are purchased if a business owner thinks that the risk of potential claims may surpass the current general liability policy.
This bond helps promote trustworthiness to clients. It is an endorsement from the insurance company telling them that your business can be trusted and mitigates risk by the promise of reimbursing the client should an employee steal or break something accidentally.
Commercial jobs tend to be riskier than residential jobs and may require higher limits. The same goes for higher risk tall buildings versus lower risk shorter buildings. The limits you choose should adequately cover your business should a claim be made against your company. Below is a basic guide with median limits for window cleaning businesses:
| General liability insurance | $1,000,000 per occurrence 2,000,000 aggregate |
| Commercial auto insurance | $25,000 bodily injury per person $50,000 bodily injury per accident $25,000 property damage per accident |
| Workers’ compensation insurance | $100,000 bodily injury per accident |
| Commercial umbrella insurance | $2,000,000 aggregate |
| Surety bond | $10,000 aggregate |
The aggregate of all the insurance coverages you need will be the total for window cleaning insurance. There are several factors affecting the premiums you may pay. Some of the common ones include (but are not limited to):
Below is a good starting point that shows median costs for window cleaning service companies.
| General liability insurance | $650 annually |
| Commercial auto insurance | $1,556 annually |
| Workers’ compensation insurance | $1,786 annually |
| Commercial umbrella insurance | $758 annually |
| Surety bond | $100 annually |
Here are a few tips to find the best provider for you:
