Frequently Asked Questions About Small Business Insurance
Delaware Window Cleaning Insurance. In your window cleaning business, choosing the right tool for the job is crucial. And so is protecting your business with the right Delaware window cleaning insurance coverage. Window cleaning professionals face unique risks from a physically demanding job with numerous regulatory hurdles. With window cleaning insurance, your business is built on a foundation of strength and protection. Which means you can worry less about risk, and focus more on taking your business to new heights.
Window washers clean both interior and exterior windows, and may offer related services such as cleaning fixtures attached to structures, or replacing burned out exterior lights. Operations vary greatly depending on the location and accessibility of the windows.
The cleaning of interior windows or grade-level exterior windows is far less hazardous than the cleaning of exterior windows in high-rise commercial buildings. Outside work at such heights involves specialized equipment and extensive safety precautions. Some window washers are a part of a larger operation that offers janitorial services.
Delaware window cleaning insurance protects your business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Domestic window cleaners and commercial window cleaners often need more Delaware window cleaning insurance coverage that goes beyond the standard policy. You will need to cover yourself while at work, your own premises, your customer's premises, your vehicle and any equipment or tools that you use. Delaware window cleaning insurance provides coverage for these common risks:
Commercial General Liability Insurance - You take pride in the sparkle you leave behind once you have completed a job, whether that be for a standard window or architectural glass used for lighting or decorative purposes. The window frames are clean and the sills are dirt free.
All it takes is one accident or mistake to cause serious financial problems for you and your company. General liability insurance for window cleaning includes coverage for bodily injury and property damage resulting from such accidents.
Let's say an uninsured window cleaner is up on a high ladder making windows sparkle, when his squeegee accidentally slips from his hand. At that very moment, a curious 4 year old happens to walk out of the house and under the ladder and is hit by the squeegee. Who's going to pay for the ensuing hospital bills? Not you. General liability insurance will cover the hospital bills, legal fees any any judgements if you are sued.
Workers Compensation - Workers comp is required in most states for any non-owner employees. Your cleaning services business depends on its employees in order to deliver the expert services that your company has built its reputation on. They keep your operations running smoothly and helps ensure your clients are satisfied with your business's performance. But no matter the extent of your employees' training or experience, accidents happen. Without adequate insurance coverage, the injuries your employees sustain at work could be your financial responsibility. That's why you need DE workers comp insurance.
Tools & Equipment Insurance - Your cleaning equipment are vital in your trade. This is why with window cleaners tools insurance you can insure your equipment while on or off the site providing you with cover from theft or damage.
DE Commercial Auto Insurance - As a window cleaning business, you are providing a service for your customers that requires driving to their home or place of business. Your company vehicle should be covered with commercial vehicle insurance. Commercial auto covers theft, vandalism, fire, and damage caused by accidents including personal injury and damage to the vehicle or nearby property.
Premises liability exposures are limited at the contractor's premises due to lack of public access, but moderate away from the premises due to hazards at the job site. When cleaning interior windows, there is some potential for slip and fall injuries to the public from spills and equipment and supplies impeding access. Hazards become severe when exterior work is done.
Unless the site is very well contained, passersby may be injured or vehicles and other property damaged as a result of items falling during the window washing process. For window washing operations at heights, a morale hazard may be indicated by the absence of a regular and continuous maintenance program to keep the specialized equipment in good working condition.
Property exposures at the contractor's premises are usually limited to an office and storage of equipment, supplies, and vehicles. Cleaning supplies often contain alcohol or other flammable chemicals that require proper labeling, separation, and storage in approved containers and cabinets to reduce the potential for fire. There may be a garage area for vehicles transporting equipment and crew to job sites.
Crime exposures are from employee dishonesty, including theft of customers' goods by the insured's employee. Background checks, including criminal history, should be performed on all employees handling money. All ordering, billing and disbursement should be handled as separate duties with reconciliations occurring regularly. Supervision and monitoring are important to control losses.
Inland marine exposures include accounts receivable if the window washer offers credit to customers, contractors' equipment, and valuable papers and records for customers' and suppliers' information. The equipment taken to job sites for window washing is minimal and not very susceptible to damage unless there is work at heights. Equipment used above ground floors includes specialized scaffolding and lifting equipment.
The transport and setup of this equipment have as much to do with safety as with protecting the equipment from wind, falls, theft or vandalism. Equipment may be rented, leased or borrowed or the insured may rent, lease or loan equipment to others. Backup copies of all data should be stored off premises.
Commercial auto exposures are generally limited to driving to and from job sites with crew, equipment and supplies. If there is work at heights, vehicles may carry scaffolding, lifts, and similar equipment that require special tie-down procedures. Though not common, there may be specialized equipment such as cherry pickers. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.
Workers compensation exposures are light for interior work, although back injuries, hernias, sprains and strains can result from lifting. Repetitive motion injuries are possible from window washing. When work is done on ladders and scaffolds or if the worker is suspended, there is a potential for severe injury or death from falling, being struck by falling objects, sudden gusts of wind, and other adverse weather conditions.
The danger is reduced if there is good maintenance of scaffolds and other equipment, proper use of protective equipment, and strict enforcement of safety practices. Workers may be injured in auto accidents during transportation to and from job sites.
Insurers classify window washing businesses using several coding systems. You can wind up paying more for your insurance if your cleaning company is not properly classified - like a washer that works from the ground level only being coded as going higher than three stories. Below are the most commonly used coding systems for window cleaning insurance:
Running a window cleaning business means juggling multiple tasks that are constantly changing. One day you might be cleaning a client's home and the next be training new staff. In all instances, accidents can happen. In order to keep your business protected if the unexpected happens, DE window cleaning insurance can enable you to get back on your feet as quickly as possible.
For entrepreneurs who are thinking about starting up a business in Delaware, it is important to have an understanding of the state's economic outlook, as well as the regulations and limits regarding commercial insurance. With this information, you can determine if DE is, in fact, a wise location to start your business.
Below, we offer a brief overview of Delaware's economic status and the rules relating to commercial insurance.
Delaware is home to more than 1 million businesses. This includes over half of all of the publicly traded companies in the United States, and 64 percent of the country's Fortune 500 companies. Delaware is such an appealing place for entrepreneurs because the state offers flexible corporate laws and a government that is very friendly to business owners.
The economic outlook of DE has become softer. As such, Delaware has moved down eight spots on the Forbes' Best States for Business list. The costs of operating a business are about 21 percent lower in Delaware than the national average. It is also one of the lowest ranking states in regard to labor costs. With that said, job growth is expected to reach .8 percent by the end of the 2019 calendar year. The unemployment rate is expected to remain lower than the national average, at an estimate 4.7 percent.
The industries that contribute the most to Delaware's economy include:
It is expected that these industries will continue to see growth, but there is a need for more skilled labor in these areas.
The Delaware Department of Insurance regulates the insurance industry in DE. Commercial liability insurance, commonly referred to as general liability insurance, is the most common type of coverage that business owners carry. In the state of Delaware, business owners are not required to carry this type of coverage in order to operate. This state is considered a modified comparative fault state that has a negligence standard of 51 percent. The government does not put any caps on awards that are offered to those who file personal injury lawsuits against businesses in Delaware. As such, it is wise for business owners in this state to invest in commercial liability insurance, even though it isn't required.
Business owners are required to carry workers compensation in Delaware. This includes businesses that employee one or more hourly or salaried W2 employees.
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
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