Window cleaning insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$48.33
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$48.33
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Window Cleaner Insurance?
You get to be your own boss day in and day out while doing quality work that you can be proud of for your clients. Sure, sometimes running a window cleaning business can be hard work, but you’re committed to success. At Simply Business, we’re devoted to helping you keep your business protected and prosperous for years to come.
Below are some of the most common types of insurance policies that window cleaners carry to stay protected.
What Type of Window Cleaning Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$48.33
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
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 expl
What Does Window Cleaning Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Window Cleaning Insurance Coverage Questions
General liability business insurance requirements vary by state. Our quote process considers your location, so you don’t necessarily need to research your state’s laws before getting started. Workers compensation is required in most states if you have employees.
Generally, window cleaning businesses can deduct their insurance premiums when filing income taxes. We recommend that you talk to a local accountant if you have questions about your specific tax situation, though.
Insurance policies are customized to your business, and your coverage depends on:
- The size of your practice
- Your practice’s location
- Your annual revenue and payroll
- And more
Our quote form recommends the right insurance plans for you, based on your answers.
If you have more questions, our licensed insurance agents are available and will be happy to assist you!
Getting free insurance quotes is simple, but having the following information ready before you get started makes the process even faster:
- Annual revenue estimates
- Payroll estimates
- Subcontractor costs
- Information on any previous claims
Yes! Each state has its own laws around business insurance. Plus, some landlords or vendors may set separate requirements.
That’s why we’ve designed a quote process to eliminate the guesswork for small business owners. The questions we ask automatically calculate your needs, based on state requirements.
Your insurance coverage depends on whether you have a general liability policy, workers comp, or both. A comprehensive plan with liability and workers compensation coverage can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- And more
The cost of your window cleaning business insurance depends on your needs, so there isn’t a single price point. Typically, your coverage and monthly expenses are determined by:
- Payroll and revenue estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your window cleaning insurance may cost? Just click here and get free quotes from some of the top insurers in the country.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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