Best Window Cleaning Insurance of 2022

Bryan Keith

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.

Affordable plans and coverage provided within minutes

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.

What we like

  • Affordable insurance plans
  • Customized coverage to fit your business
  • Get covered within minutes
  • Near instant access to proof of insurance
  • Quick and easy to process claims

What we don't

  • Not available in New York

Covers a wide range of industries

$2,000,000

Coverage Up To

$1,000+

Deductibles

Overview

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.

What we like

  • A skilled advisor to assist you
  • Free quotes from multiple insurance carriers
  • Covers low risk to even some high risk industries
  • Online account management

What we don't

  • No brick-and-mortar offices
  • Deductible costs

Customized solution to fit your business needs

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

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.

What we like

  • Established insurance company
  • Dual auto insurance
  • Customizable insurance for over 180 industries
  • Deductibles starting at $0
  • Affordable rates

What we don't

  • Limited US offices
  • Coverage limited to $2 million online

Flexible coverage by the year, month, day, or by the job

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

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.

What we like

  • Scheduled coverage options
  • Coverage by the job available
  • Buy a policy online within minutes
  • No hidden fees
  • Affordable plans
  • Drone insurance

What we don't

  • Not available in New York

What is window cleaning insurance?

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.

Do window cleaning professionals need insurance?

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.

What insurance do window cleaning businesses need?

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

General liability 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.

Commercial auto insurance

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

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.

Commercial umbrella insurance

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.

Surety bond

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.

What are the limits of window cleaning insurance?

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

How much does window cleaning insurance cost?

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):

  • Types of clients (commercial is higher risk than residential)
  • Claims history
  • Number of employees
  • Deductibles
  • Location where you conduct your business
  • Revenue of your business
  • Coverage limits.

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

How to choose the best window cleaning insurance

Here are a few tips to find the best provider for you:

  • Customer feedback: To see what customers really think about them, check out reviews for each provider to get insight into their customer service and customer satisfaction. Third party companies like the Angie’s List or even Google Reviews which rate how satisfied the public is with large companies. This score is a good measure on how to qualify a provider.
  • Customization: Have the providers show a few different products and go through the different options, weighing the pros and cons of each one.The provider should be able to customize their product to best suit the needs of your business. A provider that is not willing to work with you should not be the provider you work with.