Window cleaning doesn’t seem like it’s too dangerous or risky of a business, unless you’re cleaning the outside of the windows on high-rise buildings. However, even if you are just cleaning windows in a residential setting, you could still be held liable for damages if someone feels your cleaning is substandard, you damage property while cleaning or one of your employees injures themselves, as a few examples. So it pays to look into window cleaning insurance, which we’ll cover in detail below.
- Top 3 Providers of Window Cleaning Insurance
- What is Window Cleaning Insurance?
- How Much Does Window Cleaning Insurance Cost?
Top 3 Providers of Window Cleaning Insurance
We researched more than 20 companies providing window cleaning insurance. Here are our recommendation of the top 3 companies.
- CoverWallet: Best for Comparing Online Quotes
- Hiscox: Best for Small to Medium-Sized Window Cleaning Businesses
- Thimble: Best for Individuals Who May Need Window Cleaning Insurance Coverage Temporarily
CoverWallet: Best for Comparing Online Quotes
CoverWallet is a digital broker, specializing in business insurance. They work with several leading business insurance companies and can provide quotes from these companies for businesses in a wide variety of industries from healthcare to cleaning.
Their online quote is relatively simple. It takes less than 10 minutes and you will have several quotes to compare and select the best and cheapest one for your business.
Another benefit of working with CoverWallet is that after buying a policy through them, you will have access to their digital dashboard to manage all of your business insurance policies in one place. There are several great features on the dashboard from downloading the certificate of insurance, filing a claim, or renewing a policy.
Hiscox: Best for Small to Medium-Sized Window Cleaning Businesses
Hiscox is one of the most popular small business insurance companies. They pioneered selling and servicing small business insurance policies digitally. They offer a comprehensive list of business insurance policies from general liability and professional liability to workers compensation and cyber security insurance. They offer business insurance to businesses in a wide range of industries.
If you are running a small to medium-sized window cleaning business, Hiscox might be the best option for you. On the one hand, you can choose to work with Hiscox completely digitally, which is convenient for you. But if you prefer, you can always have access to their agents to discuss your needs. As you grow your business, your need for different business insurance policies to protect your business will increase as well and Hiscox will be able to provide you with any policies that you might need.
Thimble: Best for Individuals Who May Need Window Cleaning Insurance Coverage Temporarily
Thimble is an insuretech offering business insurance coverage for small businesses and individuals for a short period. They are most popular for providing coverage just for a day or even just a few hours and allowing customers to buy the policies online super fast.
If you are doing window cleaning on part-time basis or you only need window cleaning insurance coverage for a short period, just a few days or a few hours, Thimble is the best option for you.
What is Window Cleaning Insurance?
Insurance for window cleaners is an umbrella term that covers the different types of insurance products that window cleaners many want to consider carrying. It’s most common for window cleaners to find the following insurance products:
General liability insurance: This is one of the most comprehensive products on the market. It can cover a window cleaning business in the events of property damage, bodily injury, personal injury, advertising injury and other issues. For instance, if you’re cleaning someone’s window, knock over a ladder and shatter the window, general liability insurance could cover you if someone claims damages.
>>MORE: How Much does General Liability Insurance Cost?
Inland marine insurance: Many people may not think of this type of coverage as window cleaning insurance. However, inland marine insurance covers your property in case of damage, loss or theft while it is being transported or stored by a third party. For instance, if your cleaning equipment gets stolen as you go around to different work sites, inland marine insurance could cover you.
Workers’ compensation insurance: If you have employees as part of your cleaning business, you’ll have to carry workers’ compensation insurance. It’s often required under state law. It covers you in the event that an employee injures themselves as part of their job, such as if they fall while cleaning a window.
>>MORE: The Best Insurance for Cleaning Business
Commercial auto insurance: If you go from site to site for cleaning windows, chances are you have a business vehicle. If you use a vehicle for business purposes, you will need commercial auto to cover you in case of an accident during business operations.
It’s also common to see professional liability offered to window cleaning businesses. These plans cover you in case some form of error or omission on your part causes harm/loss and someone claims damages. For instance, someone could sue you if they felt you left their windows dirtier than when you started.
>>MORE: 11 Best Professional Liability Insurance Companies
How Much Does Window Cleaning Insurance Cost?
Next Insurance states that you can find window cleaning insurance starting at $29 per month. When we went through the simple one-page process for a window cleaning business in Wisconsin, we got the following page:
The system allowed us to select general liability and commercial auto for this type of business. It’s also worth noting that multiple products can qualify for bundle deals, as is the case in bundling general liability and commercial auto together for up to 10 percent savings. Next is also interesting in that it combines general and professional liability.
Like carpet cleaning insurance, you may also be able to find insurers that specialize in the window cleaning industry. Regardless, in order to get the cheapest window cleaning insurance, you need to get quotes from several companies or work with a digital broker like CoverWallet to compare several quotes to select the cheapest one for your company.
Learn more at how much cleaning business insurance costs
Final Thoughts
Window cleaning insurance outlines the types of small business insurance window cleaners may want. Those include general liability, professional liability, commercial auto insurance, worker’s compensation and inland marine insurance. Costs can be quite affordable, running around $30 per month for certain types of insurance, with bundle deals available. This type of insurance tends to be offered through the major small business insurance providers, though you can also find companies who specialize in cleaning businesses.
