Window Cleaning Insurance
Wipe away risks with affordable insurance for window cleaning mishaps, damage, and lost gear!
- Wallet-Friendly Coverage
- Built for Small Businesses
- Instant Proof of Insurance!
A window cleaner allegedly causes $27,000 in damage after accidentally scratching a client’s windows.
Mistakes are costly.
Insurance isn’t.
Why Do Window Cleaners Need Insurance?
Window cleaning businesses operate in a high-risk environment where accidents can occur due to the nature of the work, which involves physical labor and handling potentially hazardous materials. Weather conditions, equipment malfunctions, and human error can add to these risks. Without sufficient insurance, these risks may result in significant financial losses and legal issues for your business.
If you accidentally splash a client’s furnishings with product
General liability coverage helps reimburse clients for property damage.
If a passerby trips over a discarded tool
General liability covers third-party medical expenses and legal costs.
If a crew member gets injured while cleaning a window
Workers compensation covers costs related to work-related injury or illness for your team.
If you drop a pricey water-fed pole, breaking it
Tools & equipment coverage helps replace or repair tools, limiting business interruptions.
How Much Does Window Cleaning Liability Insurance Cost?
Insurance for window cleaning businesses starts at $39 per month. Curious to know what impacts your premium? We break it down so you can choose the best coverage with confidence. Plus, you can save as much as 12% by paying annually!
“Signing up was easy. It’ll give any client the comfort of knowing that you have coverage.”
Plus, it’s a good, affordable coverage that covers what I need. I definitely recommend it to people—including my son and those in other industries. I tell them to call Insurance Canopy and get covered, because it’s not overly expensive. When other people in the cleaning industry say they’re not insured, I say, “Why? It’s literally $39 per month.”
– Nicole H., Owner of Nothing But Perfection
Protected by Insurance Canopy Since 2022
Recommended Coverage For Window Cleaning Businesses
Our insurance for window cleaners provides essential general liability coverage necessary for client contracts. We also suggest including additional coverage for employee injuries, dishonesty, and theft or loss of supplies. Available coverages include:
Included
General Liability Coverage
General liability insurance, also known as public liability insurance, protects window cleaners from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client or passerby is injured by falling equipment or cleaning solutions during window cleaning, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, this coverage does not extend to you or your employees; it only protects clients or the public if they are injured on your property or as a result of your employee’s actions. General Liability also includes Public Liability Insurance for your cleaning business.
Add-Ons
Tools and Equipment Coverage
Tools and equipment coverage — commonly referred to as inland marine — safeguards the essential equipment window cleaners use, such as cleaning appliances, solutions, and protective gear. This insurance provides compensation if your tools are damaged or stolen while on the job.
Janitorial Bonds
Bonds are crucial in the cleaning industry, safeguarding your business from financial losses caused by employee theft. Since your employees often work unsupervised in both residential and corporate environments, the risk of theft can lead to significant financial setbacks and damage trust. To ensure thorough protection against theft, combine general liability insurance with a bond.
At Insurance Canopy, you can purchase a bond for as low as $131 annually.
Additional Insureds
Including an additional insured protects another individual or entity under your policy. This is especially important for contractual obligations, as potential clients may ask to be covered by your policy. This ensures that both you and your clients are protected in the event that any incidents or claims occur during cleaning.
Cyber Liability Coverage
If your window cleaning business faces a cyberattack or data breach, cyber liability insurance covers recovery costs, such as legal bills, notification expenses, and credit monitoring for affected individuals.
Workers Compensation Coverage
Workers compensation for window cleaners includes coverage for medical expenses and lost wages if an employee is injured on the job. Whether it’s a slip on wet surfaces, a strained muscle from lifting heavy equipment, or even heat stroke from working in summer weather, workers comp helps cover medical bills and lost income.
In most states, carrying this coverage is legally required depending on your number of employees — but more than that, it gives your crew peace of mind, knowing you’ve got their backs when the unexpected happens.
Commercial Auto Coverage
Having commercial auto insurance is essential for a window cleaning business. Whether you’re transporting ladders, hauling water-fed pole systems, or moving your crew between job sites, accidents on the road can happen anytime.
Commercial auto insurance covers vehicle repairs, medical expenses, and liability claims — from small fender benders in tight parking lots to more serious accidents on busy roads. Most personal auto policies won’t cover business use, and in many states, commercial auto insurance is legally required to keep your business protected and moving forward.
Coverage Limits for Window Cleaning Insurance
Maximum Cleaning Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits / Occurrence / Aggregate
Premium
Deductible
$1,000/$3,000
$40
$250
$2,000/$6,000
$55
$5,000/$10,000
$60
Need Expert Support?
Monday to Friday, 8:00 am – 8:00 pm EST
¡se habla español!
Email: info@insurancecanopy.com
Phone: 844.520.6993
Why Window Cleaners Choose Insurance Canopy
When it comes to safeguarding your window cleaning business, there’s no room for compromise. That’s why window cleaners across the country choose Insurance Canopy for peace of mind and reliable protection.
Insurance You Can Rely On
Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏
Simplified Coverage
Comprehensive, personalized insurance for your business – only pay for what you need
Expert Support
Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!
135,000+ Small Businesses Trust Insurance Canopy
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Questions About Window Cleaning Insurance
What insurance is needed for window cleaning?
Window cleaning businesses need general liability insurance to cover property damage and injuries, workers compensation insurance if they have employees, and commercial auto insurance for their work vehicles. Additionally, tools & equipment insurance can protect tools and trailers, while cyber liability insurance protects against data breaches and cyberattacks.
Is my window cleaning insurance policy effective immediately?
Yes. Your window cleaning insurance policy becomes active immediately upon purchase. You’ll receive instant confirmation of your coverage and your Certificate of Insurance (COI) shortly after you complete the online application and payment. Remember to review your policy documents for any specific conditions or exclusions.
How do I renew or cancel my policy?
You can cancel your window cleaning liability insurance at any time through your online dashboard.
With Insurance Canopy, you can expect seamless renewals. Policies automatically renew at the end of their term to prevent coverage gaps. You will receive an email notification before the renewal, so there are no unexpected charges. If you wish to make changes to your policy, feel free to contact support.
How do I file a window cleaning business claim?
Filing a window cleaning business claim with Insurance Canopy is easy. Here’s what to do:
- Make a Report: If something happens, like theft or property damage, report it to the appropriate authorities. Gather important details such as dates, locations, and contact information for everyone involved.
- Gather Paperwork: Get all the necessary documents ready, like your insurance policy details, receipts for damaged or stolen items, and any incident reports.
- Submit a Claim Online: Log in to your user account, go to the “Manage Policies” section, and click on “File A Claim.” Fill in the required information and submit your claim. Most claims are processed within 24–48 hours.
If you have any questions or need help, our team is here for you. Just reach out!
What happens if I have a window cleaning business claim after I cancel my insurance?
If you file a window cleaning business claim after canceling your insurance, it won’t be covered unless your policy remains active for a certain period and the incident happened during that time. Insurance only offers protection while your policy is active, so continuous coverage ensures you’re always protected.
Clean with Confidence – We’ve Got the Coverage.
Related Articles
Why Cleaning Businesses Choose Insurance Canopy
Insurance might not be the most exciting “must-have” when it comes to your
What Happens if You End Your Cleaning Insurance Early?
Canceling your cleaning business insurance early might seem like an easy way to
Understanding Your Cleaning Business Insurance Policy: A Quick Guide
Your business deserves the best protection, and understanding your cleaning business insurance policy
