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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.
You deserve window cleaning business insurance that’s personalized to you, not a one-size-fits-all policy that overshoots your needs. Simply Business is an online insurance platform that helps business owners like you find custom, affordable coverage.
The best part, though, is that it takes only a few minutes to compare free quotes.
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Business Insurance Policies Available for Window Cleaners:
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.
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:
Now check out what general liability insurance usually doesn’t cover:
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:
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:
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.
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:
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:
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:
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:
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.
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.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.