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 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 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 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. 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 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.
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.
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, window cleaning insurance can enable you to get back on your feet as quickly as possible.
Perhaps you have the next great idea for a product or service that you know will appeal to your local area. Maybe you want to contribute to the economic growth of your community. Whatever the reason is, if you're thinking about starting a small business, it's important to understand pertinent information relating to small businesses in the United States; namely economic information and insurance regulations. After all, if you want your small business to succeed, you have to understand the economic trends organizations of a similar size in your area.
Likewise, you want to ensure that your small business is well protected with the right business insurance and that you are in compliance with the rules and regulations that pertain to commercial insurance in your region.
Read up on economic statistics and insurance information that relates to small business owners in the United States.
Here's a look at some information that was compiled by the Small Business Association (SBA) regarding the economic data that pertains to small businesses in the United States:
In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.
The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.
Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.
According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage. The SBA recommends the following insurance plans for small business owners:
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.