Business Insurance Policies Available for Window Cleaners:

• General liability insurance
• Workers compensation insurance

Benefits:

• It can protect your business from certain claims.
• It can cover damages caused by your negligence.
• Proof of insurance can help clients feel good about your work.
• It may be required where you’re located.

What type of insurance does a window cleaning business need?

Business insurance can seem confusing at first, but we’re going to break it down to the basics.

There are two types of insurance available for window cleaners — general liability and workers compensation. While general liability requirements vary by state, workers comp is typically required if you have employees. Now let’s review what each type of policy covers.

General Liability Insurance

When you think of business insurance, it’s likely that general liability insurance comes to mind, even if you haven’t heard that term. This type of policy typically covers bodily injury or property damage to a third-party. In this case, a “third-party” usually means clients or vendors. You also may be able to add Contractors Tools and Equipment coverage, which could offset costs if your equipment is lost or stolen.

The previous paragraph had insurance jargon, so let’s translate it into a real-world scenario. Imagine you’re cleaning windows on an office building when you drop your bucket. You try to catch it, but in the process, you break a window. Your client could sue you for the damages, and you’d likely have to pay if it’s determined you were at fault.

Without insurance, the costs may have to come straight from your business or personal finances. However, window cleaning insurance could offset those expenses, potentially saving your business from a financial downturn. The average claim for property damage or accidents in small businesses is $30,000, so liability insurance for window cleaners is definitely worth considering.

Here’s a review of what general liability insurance usually can cover:

• Bodily injury to another person
• Third-party property damage
• Personal and advertising injury
• Medical expenses
• And more

Now check out what general liability insurance usually doesn’t cover:

• Damage to your own property
• Professional services
• Workers compensation or injury to your employees
• Damage to your work
• Motor vehicles while in business use
• Expected or intentional injury or damage
• And more

Workers Compensation Insurance

You started with a bucket and a squeegee, and now you have or are about to hire employees — congrats! Adding employees to your team is exciting, but it comes with extra responsibility. In most cases, your state will require you to carry workers compensation insurance if you have part-time or full-time employees.

On top of often being a legal requirement, having workers comp insurance can save you money in the long run. This coverage can cover costs for an employee’s injury or illness while they’re working for you. It’s estimated that the average work injury cost is $41,000, which, you guessed it, you’d have to pay out-of-pocket without insurance.

In general, workers compensation insurance for window cleaners can cover:

• Medical payments
• Lost wages
• Rehabilitation expenses
• Death benefits

Should I Get Window Cleaning Business Insurance?

We understand that a lot of questions pop up when you sit down to look at business insurance. Do I really need it? How much is window cleaning insurance? When should I buy it?

Business insurance is important, because no matter how hard you work or how many years of experience you have, accidents can happen. The best way to prevent unexpected bills because of an accident or injury is to proactively protect your business. Here are some of the most common accidents small business owners may face, along with how much they cost on average:

• Reputational Harm — $50,000
• Client Injury or Damage — $30,000
• Client Slip and Fall — $20,000

Your state may or may not require you to carry business insurance. However, when you’ve invested so much time in building your company from scratch, it would be a shame to face a serious financial setback because of a single accident. Purchasing window cleaning insurance also comes with a certificate of insurance (COI), which you can use to build trust with clients, vendors, and more.

The next concern for business owners is the monthly cost of insurance. You don’t need to pay for the same plan as a large enterprise if you’re just starting, though. Your coverage amount and monthly premiums will be tailored to your business. Factors such as your location, number of employees, and annual revenue are all considered, which means you can choose a policy that grows with you.

Comparing insurance quotes is free and easy, so you have nothing to lose if you want to explore your options. Just answer a few questions about your business, and our quote process and licensed insurance agents can tell you exactly what type of insurance your business needs.

Window Cleaning Insurance FAQs

Why Choose Simply Business?

Your careful planning and dedication have helped you grow your business, so it’s only natural that you’d want to do your research on business insurance options, too.

At Simply Business, we’re honored that thousands of customers choose us to protect their work from the unexpected. We’re one of the fastest-growing online providers of small business insurance, and we’re here to make it easy to choose an insurance policy that covers your business.

So why choose Simply Business? It’s, well, simple:

We’re fast and affordable. You have a lot on your plate, so we make it easy to find and compare personalized insurance plans. In under 10 minutes, you’ll have free quotes from top insurers.

We’re flexible with coverage. We have policies to get your new business coverage started, acquire a COI to show a client, and add coverage for new employees.

We get your business. Each business is unique, and you deserve insurance created with you in mind.

After all, you’ve worked hard to build your reputation as a window cleaner. That’s why we offer the best coverage to protect your business.