As a window cleaning professional, you’re in the business of helping other businesses put their best foot forward. So much so that most members of the public would struggle to remember the last time they entered a government or commercial building with noticeably dirty windows.
When you’re going from site to site and cleaning windows for your clients, it’s important to make sure that you have an insurance plan that makes sense for you and your business.
Window cleaning liability insurance, or commercial general liability insurance, is a flexible coverage option that addresses situations where a third party suffers bodily injury and/or property damage. Because the policy may also be able to cover damages that come from completed operations, liability insurance can be incredibly useful for window cleaners.
The 3 Reasons Why Window Cleaning Liability Insurance is a Must-Have for Your Business
1 – Liability Insurance Covers Defence and Judgement Costs
All it takes is one statement of claim for you and your livelihood to be potentially at risk. And even if you’re ultimately found not liable, the legal fees alone can still impact your company’s finances in a bad way. Commercial general liability insurance may be able to cover the costs of your defence, and, if necessary, judgement costs in the event that you’re named in a lawsuit.
2 – Not Having Insurance Can Impact Your Ability to Find Work
Whether you’re bidding on a government contractor you’re being hired by a commercial property manager, all of your potential clients have one thing in common:
They want to know that they’re hiring the right service provider.
Being fully insured gives you credibility while also allowing you to preemptively meet the insurance requirements that are often set by clients with deep pockets.
3 – Accidents Can Happen to Anyone
As a working professional, it goes without saying that you work hard to complete your work safely and to a high standard. However, mistakes can happen at any time. Window cleaning liability insurance can help you protect yourself and your business in the event that something goes wrong during a job.
What type of business insurance do window cleaners need?
There are several types of business insurance available for window cleaners to protect their business. Firstly, they can benefit from commercial general liability insurance. This is basic insurance coverage for many businesses. Commercial general liability insurance protects the window cleaning business against liability claims arising from third-party injuries or property damage. It helps the business cover damages, medical bills, and settlement awards.
Window cleaning businesses should also have commercial property insurance since they rely on many pieces of equipment to operate. If anything happens to those tools, such as theft, commercial property insurance covers the business against repairs or replacement costs.
Pollution liability insurance is also important since window cleaning businesses use chemical solutions. This type of coverage deals with spills, cleanups, environmental damages, and transportation exposures onsite.
Lastly, commercial auto insurance is important for window cleaners since they need to go between job sites. This covers medical bills, car repairs, settlement awards, and other damages if a collision injures someone or damages a vehicle. If you have a fleet, it’s also important to consider insurance for the entire fleet.
How much does window cleaning insurance cost?
It depends on the type of coverage you have and how much coverage you have. A robust, comprehensive insurance policy will be more expensive than a basic package. On average, businesses can expect to pay around $450 each year for general liability insurance.
Factors that impact insurance cost include:
- Number of employees
- Commercial or residential service
- Business location
- Value and amount of equipment owned
- Annual and projected revenue
- Years of experience
- Historical insurance data
- Your deductible
What does window cleaner insurance cover?
Window cleaner insurance coverage depends on the type of insurance you purchase. For example, commercial auto insurance covers car repairs and replacements, as well as medical bills for injuries incurred in a car collision.
In general, window cleaner insurance covers you against liability claims and helps with expenses related to damages from a liability claim, such as third-party injury, theft, property damage, flood, fire, vandalism, or another insured peril.
Is Liability Insurance the Only Type of Insurance That Window Cleaners Should Be Looking For?
Preventing potential liability exposures ultimately comes down to putting together insurance coverages that make sense for your business.
To that end, additional coverage options for your window cleaning business might benefit from include:
- Commercial auto insurance
- Commercial property insurance
- Umbrella liability insurance
Protect Your Business With Top-Notch Window Cleaning Liability Insurance
An experienced broker can make it easier for you to find an insurance strategy that works for you and your window cleaning business.
Looking for a FREE window cleaning liability insurance quote? Contact ALIGNED to get started today! We’re happy to answer any questions you may have.