Buy Window Cleaning Insurance

Window cleaning insurance is a type of insurance that provides coverage for businesses and individuals who perform window cleaning services. It typically includes liability insurance, which covers damages or injuries that may occur as a result of the window cleaning service, and property insurance, which covers damages to the property being cleaned or the window cleaning equipment.

Other coverage options may include workers' compensation, automobile insurance, and loss of income due to business interruption.

The purpose of window cleaning insurance is to protect the window cleaner, the property owner, and any other parties involved in the window cleaning process from financial losses.

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small window cleaning businesses ranges from $47 to $79 per month based on location, how many stories, size, payroll, sales and experience.

Window cleaners need insurance for several reasons. First and foremost, insurance protects them from financial loss in the event of an accident or injury. If a window cleaner were to fall from a ladder while cleaning a window, they could suffer serious injuries and be unable to work. Without insurance, they would have to pay for their medical expenses out of pocket, which could be financially devastating.

Additionally, insurance protects window cleaners from liability. If a window cleaner were to accidentally break a window while cleaning it, they could be held liable for the cost of repairs. Without insurance, they would have to pay for these repairs out of their own pocket, which could be financially crippling.

Insurance also protects window cleaners from damage to their equipment. If a window cleaner's ladder were to break or their squeegee were to be lost or damaged, they would have to pay for replacements out of pocket. Insurance helps to cover the cost of these replacements, allowing window cleaners to continue working without incurring significant financial losses.

In summary, window cleaners need insurance to protect themselves from financial loss, liability, and damage to their equipment. Without insurance, they would be at risk of financial ruin in the event of an accident or injury, making it essential for them to have coverage in order to protect their livelihood.

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.

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:

• 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.

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.

Window cleaners can be sued for a variety of reasons, including property damage, bodily injury, and negligence. Insurance can protect window cleaners from financial losses associated with these lawsuits. Here are some examples:

Property damage: If a window cleaner accidentally damages a customer's property while working, such as breaking a window or damaging a valuable piece of furniture, the customer may sue for the cost of repairs or replacement. Insurance can help cover these costs and prevent the window cleaner from having to pay out of pocket.

Bodily injury: If a window cleaner falls from a ladder or scaffold and is injured on the job, they may be liable for medical expenses, lost wages, and other damages. Insurance can help cover these costs and protect the window cleaner from financial ruin.

Negligence: If a window cleaner fails to take proper safety precautions, such as failing to secure a ladder or using the wrong equipment, and a customer is injured as a result, the customer may sue for damages. Insurance can help cover these costs and prevent the window cleaner from having to pay out of pocket.

In all of these examples, insurance can help protect window cleaners from financial losses associated with lawsuits. Window cleaners should ensure they have adequate insurance coverage to protect themselves and their businesses from these risks.