Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Window Cleaning Business Insurance

Every business, no matter how small, should have some type of business insurance to protect business assets from liability and claims.

A window cleaning business should have several types of business insurance due to the risk and potential liability of the work performed.

Business owners often think that they are not large enough or do not employ enough people to warrant spending the money on business insurance. The truth is that even one-person operations are not exempt from liability.

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A window cleaner performing residential and small storefront jobs can fall from a ladder and be injured, or break a window or other valuable assets of the owner.

Business insurance will protect the owner from liability in the event that a customer brings a claim for damages, or an employee gets hurt on the job.

Window cleaners performing services for large office buildings are required to have certain coverage in place even before they can obtain a work contract and permit. This is part of their state and local licensing requirements. A window cleaning company generally falls under the category of general contractors. There are certain types of insurances that general contractors should have, no matter how small the company.

Window Cleaning Business Insurance Skyscrapers

General Liability

Accidents can happen. Even when cleaning residential windows a ladder can break a window or damage a window frame. Accidental breakage can occur to objects inside the home when moving equipment around. General liability insurance will protect the business in the event that these accidents occur.

Basically, general liability insurance will protect the business against claims of accidental injury to a person or structure during the operation of the window washing business. The insurance will cover any injury due to the products that are used.

General liability insurance policies have stated maximum amounts of coverage depending on the size of the business or types of jobs being performed. Commercial window washers are usually obligated by the state to carry general liability insurance.

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Umbrella Policies

A general liability insurance policy will have a maximum dollar amount that will be paid by the insurance company. If the window washing company is sued for amounts that exceed that dollar amount, the business owner may be liable to pay the excess.

Umbrella policies will provide protection for monetary amounts above and beyond what the general liability insurance policy will pay. While this type of policy is not required, many business owners feel the protection is worth the investment. You can learn most about umbrella policies here.

Good Window Cleaning Business Insurance

Business Owner Insurance

This type of insurance protects the assets of the business. Small home-based business owners often go through their homeowner’s insurance policy to get business owner insurance protection, as a general homeowner’s policy will not provide coverage for business assets. These assets include business computers, files, window washing equipment and supplies and even structural damage. If the window washing company has an office building, this insurance may be required by state laws.

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Commercial Vehicle Insurance

The equipment required for window washing businesses includes large ladders and other bulky supplies. Most window washing companies have trucks or large vans to transport equipment to customers. This will require vehicle insurance for protection in case of traffic accidents. These vehicles will be required to have liability insurance by most states.

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Window Cleaning Insurance For Business

Worker’s Compensation and Bonds

When the business grows to the point where employees are hired, it is mandatory to carry worker’s compensation insurance on the workers. The business owner should also be included in the policy. This insurance will protect the employer from medical bills, lost wages, short and long-term disability and even death should a worker be injured while performing the duties of their job.

Large commercial contracts often require that any contractor, including window washers, have a surety bond which will ensure that the job is completed as stated in the signed contract. Smaller companies probably will not need this type of insurance.

The Need for Insurance

Insurance will add a cost to the business operations, and many small business owners feel that they cannot afford the insurance. However, if they weigh the consequences of being on the receiving end of an expensive lawsuit for damages of person or property, they will quickly find out how little the insurance premiums really cost.

According to the US Chamber of Commerce , small businesses lose about $105 billion each year.

Many small businesses have had to go out of business due to a liability claim that they could not cover because of lack of adequate insurance. For window cleaners who work at high elevations that risk is enhanced. As an owner of such a business not having adequate protection is foolhardy and negligent.

The best way to ensure that all coverage and protections are in place is to protect not only the assets of the business but also any personal assets that could be attached in a lawsuit. To do so contact several insurance companies that specialize in providing coverage for general contractors. You may want to start with those that will bundle the coverage you need.

It also pays to get price quotes from several insurance companies and compare prices and levels of coverage.

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