North Dakota Window Cleaning Insurance Policy Information
North Dakota 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 North Dakota 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.
North Dakota 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.
The Risks Of Operating A Window Cleaning Business
Domestic window cleaners and commercial window cleaners often need more North Dakota 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. North Dakota window cleaning insurance provides coverage for these common risks:
- Damage to the window being cleaned if it was damaged during cleaning.
- Treatment risks for damage or injuries caused by chemicals used.
- Losses following your loss of your client's keys.
- Cover for working above ground level, even just for access when needed.
Types Of Coverage For Window Cleaners
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 ND 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.
ND 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.
ND Window Washers Risks & Exposures
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.
Insurance Classification Of Window Washing
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 three most commonly used coding systems for window cleaning insurance:
- ISO General Liability Code: 99975
- NAICS CODE: 561720 Janitorial Services
- SIC CODES: 7349 Building Cleaning and Maintenance Services NEC
- Suggested Workers Compensation Codes: 9014, 9170
ND 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, ND window cleaning insurance can enable you to get back on your feet as quickly as possible.
North Dakota Economic Data, Regulations And Limits On Commercial Insurance
Are you an entrepreneur? Are you thinking about launching a start-up business in North Dakota, or are you thinking about expanding an already existing business to the state?
If so, it's important to consider the economic trends and the commercial insurance requirements of the Peace Garden State.
Understanding the economic trends of state is crucial for business owners because this information indicates whether or not the climate is favorable for success.
Being aware of the commercial insurance policies that the state mandates is also important so that you know what types of coverage you need to invest in order to properly protect your venture and ensure you are complaint with the law.
Below, we offer an overview of these two critical factors for related to the state of North Dakota.
Economic Trends For Business Owners In North Dakota
Unemployment rate is a strong indicator of a state's economy. The lower the rate, the more people are employed, and that information is directly related to the success businesses are experiencing in the state.
In December of 2019, the Bureau of Labor Statistics reported that the unemployment rate in the Peace Garden State was 2.4%, which was 1.1% below the national average of 3.5%. This statistic indicates that North Dakota offers a favorable economy for prospective business owners who are thinking about establishing operations in the state.
Additionally, the state is tax-friendly, offers a healthy quality of life, and has a healthy startup environment, making it an ideal location for entrepreneurs.
As in most states, the areas where entrepreneurs can expect to see the most success in the North Dakota are urban locations and the suburbs that surround them. These areas offer access to more regional markets, provide larger markets, and offers a more diverse (both in numbers and qualifications) workforce.
As such, the best locations to start a business in ND include:
- Grand Forks
- West Fargo
Organizations in numerous sectors can expect to see success in this state, as there are several industries that are thriving in North Dakota. The top industries include:
- Hospitality and tourism
- Retail and wholesale distribution
Commercial Insurance Requirements In North Dakota
The North Dakota Insurance Department regulates insurance in ND. North Dakota mandates very few forms of insurance coverage by law. They enforce worker's compensation.
North Dakota requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.
North Dakota also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Contractors & Home Improvement Insurance
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.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
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.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.
Request a free North Dakota Window Cleaning insurance quote in Ashley, Beach, Belcourt, Belfield, Beulah, Bismarck, Bottineau, Bowman, Burlington, Cando, Cannon Ball, Carrington, Casselton, Cavalier, Center, Cooperstown, Crosby, Devils Lake, Dickinson, Drayton, Dunseith, East Dunseith, Elgin, Ellendale, Enderlin, Fargo, Forman, Fort Totten, Four Bears Village, Garrison, Glen Ullin and Wilton, Grafton, Grand Forks, Green Acres, Gwinner, Hankinson, Harvey, Harwood, Hatton and Underwood, Hazen, Hebron, Hettinger, Hillsboro, Horace, Jamestown, Kenmare, Killdeer, Kindred, LaMoure, Lakota, Langdon, Larimore, Lidgerwood, Lincoln, Linton, Lisbon, Mandan, Mandaree, Mapleton, Mayville, Milnor, Minot, Minot AFB, Minto, Mohall, Mott, Napoleon, New England, New Rockford, New Salem, New Town, Northwood, Oakes, Park River, Parshall, Pembina and Edgeley, Portland, Ray, Reile's Acres, Richardton, Rolette, Rolla, Rugby, Shell Valley, Stanley, Steele, Surrey, Thompson, Tioga, Towner, Turtle Lake, Valley City, Velva, Wahpeton, Walhalla, Washburn, Watford City, West Fargo, Williston, Wishek and all other cities near me in ND - The Peace Garden State.
Also find North Dakota insurance agents & brokers and learn about North Dakota small business insurance requirements for general liability, business property, commercial auto & workers compensation including ND business insurance costs. Call us (701) 540-5400.