Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Oregon Window Cleaning Insurance
Oregon 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 Oregon 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.
Oregon 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 Oregon 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. Oregon 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 OR 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.
OR 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.
OR 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
OR 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, OR window cleaning insurance can enable you to get back on your feet as quickly as possible.
Oregon Business Economic Outlook & Commercial Insurance Regulations
If you are thinking about doing business in the Pacific Northwest, you might have your sights set on Oregon. However, before you set up shop, it's important for you to have an understanding of the economy - so that you can make the best decisions possible. It's also important for you to know what type of business insurance policies you are legally required to carry in order to do business in OR.
In order to help set you up for success, below, we highlight some of key information regarding the economy in Oregon, as well as the regulations regarding commercial insurance.
The Economic Outlook In Oregon
In 2018, Oregon is projected to see an increase in their economy. The unemployment rate was 4.1 percent at the end of 2017, and it is expected that it will either stay the same or drop even lower by the end of 2018.
There are several industries that are expected to contribute to the job market and the economy overall in the state of Oregon. The industry that is expected to see the most gain in this state during the 2018 calendar year is construction, with an increase of 10.5 percent. The manufacturing industry is also expected to see significant growth, with a forecasted increase of 4.3 percent. Other industries that are expected to see growth in OR in 2018 include:
- Financial Services
Insurance Requirements For Oregon Businesses
The Division of Financial Regulation oversees the insurance industry in Oregon. Here workers compensation insurance is mandated. If you employ one or more person, whether that person is full-time or part-time, or is hourly or salaried, you are legally required to carry this type of coverage. Additionally, you must carry commercial auto insurance if you operate vehicle for any business-related purposes, whether it's meeting with clients, making deliveries, or transporting goods.
While commercial general liability insurance is not required in OR, it is highly recommended. This type of coverage will protect you from any lawsuits and the accompanying settlements that may arise in the event that some slips and falls, or claims that you damaged their property. You should also consider investing in commercial property insurance, as it can help to offset the cost of any property losses that you might experience.
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
- Builders Risk
- Cable And Satellite TV Installer
- Concrete Contractors
- Contractor Liability
- Demolition Contractors
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Excavation Contractor
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Framing Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- House Cleaning
- HVAC Contractor
- Janitorial Cleaning Services
- Lawn Care
- Masonry Contractor
- Plastering And Stucco Contractor
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Security Alarm
- Siding Contractor
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
If a contractor 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.
Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.
Contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.
Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.
Request a free Oregon Window Cleaning insurance quote in Albany, Ashland, Astoria, Aumsville, Baker, Bandon, Beaverton, Bend, Boardman, Brookings, Burns, Canby, Carlton, Central Point, Coos Bay, Coquille, Cornelius, Corvallis, Cottage Grove, Creswell, Dallas, Damascus, Dayton, Dundee, Eagle Point, Estacada, Eugene, Fairview, Florence, Forest Grove, Gervais, Gladstone, Gold Beach, Grants Pass, Gresham, Happy Valley, Harrisburg, Hermiston, Hillsboro, Hood River, Hubbard, Independence, Jacksonville, Jefferson, Junction, Keizer, King, Klamath Falls, La Grande, Lafayette, Lake Oswego, Lakeview town, Lebanon, Lincoln, Madras, McMinnville, Medford, Milton-Freewater, Milwaukie, Molalla, Monmouth, Mount Angel, Myrtle Creek, Myrtle Point, Newberg, Newport, North Bend, Nyssa, Oakridge, Ontario, Oregon, Pendleton, Philomath, Phoenix, Portland, Prineville, Redmond, Reedsport, Rogue River, Roseburg, Salem, Sandy, Scappoose, Seaside, Shady Cove, Sheridan, Sherwood, Silverton, Sisters, Springfield, St. Helens, Stanfield, Stayton, Sublimity, Sutherlin, Sweet Home, Talent, The Dalles, Tigard, Tillamook, Toledo, Troutdale, Tualatin, Umatilla, Union, Veneta, Vernonia, Waldport, Warrenton, West Linn, Willamina, Wilsonville, Winston, Wood Village, Woodburn and all other cities in OR - The Beaver State.
Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.