Window Cleaning Business Insurance Cost
Understanding how much window cleaning business insurance costs and what it covers can feel like trying to get a clear picture through a streaky pane. We clear all that up for you here, with jargon-free information about what’s included in your policy and how much you’ll pay.
How Much Does Insurance Cost for a Window Cleaning Business?
Window cleaning insurance cost starts at just $39 per month or $435 per year. This is significantly less than the national average of $520 a year — you’ll save money with coverage from Insurance Canopy while still giving your business the solid protection it needs.
Most Popular Window Cleaning Insurance Policies (+ Their Cost)
There are some specific coverages every window cleaner needs to shield their business from costly liability claims. In addition, there are add-ons you can choose to increase your protection.
Here’s a breakdown of the most popular policies and their associated window cleaning insurance cost.
| Our Average Price | Industry Average | |
|---|---|---|
|
General Liability Insurance |
$679.92 / year |
$884.81 / year |
|
Tools and Equipment Insurance |
$51.64 / year |
$384.41 / year |
|
Janitorial Bonds |
$106 / year |
$126/year |
|
Additional Insureds |
$10 / year / AI |
|
|
Workers’ Compensation |
$1,141.86 / year |
$1,627 / year |
|
Cyber Liability Insurance |
$99 / year |
$1,740 / year |
**based on the median cost of policies for cleaning insurance bought with Insurance Canopy.
General Liability Insurance
General liability insurance shields you from claims related to third-party bodily injuries or property damage that occur because of your work. For example, let’s say your ladder accidentally falls in a client’s home, damaging an expensive piece of furniture. General liability is designed to pay for a claim like this.
Note: This coverage does not extend to injuries sustained by you or your employees—only clients and other third parties.
| Coverage | Lowest Annual & Monthly Cost |
|---|---|
|
$500K Per Incident / $1M Per Year |
$435 / $38.33 |
|
$1M Per Incident / $2M Per Year |
$470 / $41.67 |
Tools and Equipment Insurance
Tools and equipment coverage, also known as inland marine insurance, protects your gear (and your business). This insurance protects your essentials—from squeegees to power washers—against theft and damage. So, if someone accidentally backs their truck into your window cleaning lift, you can rest easy knowing your essential equipment is covered.
| Limits (Occurrence / Aggregate) | Premium per month | Premium per month | Deductible |
|---|---|---|---|
|
$1,000 / $3,000 |
$3.33 |
$40 |
$500 |
|
$2,000 / $6,000 |
$4.58 |
$55 |
|
|
$5,000 / $10,000 |
$5.00 |
$60 |
|
Janitorial Bonds
A janitorial bond is like your “good housekeeping” seal of approval. Also, you may be required to obtain a bond in order to land a government or commercial contract.
Bonds guarantee you’ll complete your window cleaning services according to agreed-upon standards and handle any mishaps in a professional manner. If things get messy, this bond steps in to cover the costs, keeping your reputation spotless.
We’ve got two bond options to fit your business needs.
Insurance Canopy offers two janitorial bond options designed to meet most contractual requirements:
| Bond Option | Annual Cost |
|---|---|
|
$5,000 Bond |
$131 |
|
$10,000 Bond |
$175 |
Additional Insureds
As with bonds, adding a client, agency, or landlord as an additional insured to your window cleaning insurance policy is often a contractual requirement. Adding a qualified third party to your policy can extend protection to them if they are named in a lawsuit that arose from your business operations.
For example, a visitor doesn’t notice you working and trips over your gear, hitting their head on the pavement. After a trip to the ER, they sue you and your commercial client for damages. Because the incident arose out of your business operations, your insurance policy can protect both you and your commercial client, covering legal fees, medical bills, and more.
Price per additional insured: $10/year
Workers’ Compensation
Ever wonder what would happen if one of your staff fell off a ladder or pulled some muscles while moving some heavy equipment on the job? Workers’ compensation is coverage designed to pay for your employees’ medical expenses and lost wages.
Pricing will vary based on your specific needs and the level of service you require. As you evaluate your options to find the best fit for your budget, keep in mind that some states handle workers’ compensation monopolistically, so purchasing insurance might not be an option.
Annual Premium: $1,141.86
Employers’ Liability Coverage Limits
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Policy Limit
The maximum coverage for bodily injury to one or more employees in any one accident.
$1,000,000 Each Accident
The maximum coverage for damages resulting from bodily injury by disease for any number of employees.
$1,000,000 Each Employee
Cyber Liability Insurance
If you keep client info online, process payments over the internet, or have a website, your business is vulnerable to data breaches and other cyber crimes. Cyber liability (sometimes called data breach coverage) can help if your business experiences a cyber attack.
It’s designed to cover:
- Data breach notification costs
- Customer data loss
- Ransomware and cyber extortion
- Legal fees
- Business interruption fees
|
Monthly Premium |
$8.25 |
|
Annual Premium |
$99.00 |
|
Coverage
|
$100,000 Cyber Coverage Limit
including $50,000 in E-Theft Coverage
|
Factors Affecting Your Window Cleaning Business Insurance Costs
Here’s the lowdown on what might add a few extra dollars to your window cleaning service insurance and bonding cost:
Size of Your Business
More full-time employees and larger operations mean more potential claims and liability issues, which can drive up your insurance costs.
Location
Where you work can affect your rates. Local risks like crime, natural disasters, and regional regulations can all influence the cost of your carpet cleaning insurance.
Claims History
Got a history with claims? That can nudge your premiums up. If your window cleaning business has racked up a few claims, insurers might see you as a higher risk, which could lead to steeper premiums—after all, past claims often hint at future ones.
Coverage Limits
The equation is simple: higher coverage limits = heftier costs. Finding the sweet spot between what you need and what you can afford is key to avoiding being under- or over-insured.
Additional Coverages
Opting for extras like tools and equipment insurance or workers’ comp? That’ll boost your premium. While these additional policies offer valuable protection, they do come with added costs. Take a close look at your business needs to decide which coverages are essential and budget for them accordingly.
Tips for Saving on Window Cleaning Business Insurance
Trying to save money on your window cleaning insurance premiums without sacrificing coverage? These pointers will help you maximize your savings and control those premiums:
Bundle Policies
Get more coverage for less by bundling your policies. Combining options like general liability, tools, and equipment insurance can lead to significant discounts. Plus, Insurance Canopy sweetens the deal with a discounted rate when you pay annually instead of monthly!
Review Coverage
Don’t overpay for coverage you don’t need. Fine-tune your coverage limits and drop unnecessary add-ons.
Boost Safety
Up your safety game and watch your rates drop. By minimizing accidents and claims, you show insurers that your business is at a lower risk, which could lead to lower premiums.
Shop Around
Compare offers from various providers to get the best deal on window cleaning service insurance and bonding costs.
Maintain a Clean Record
Keep your claims to a minimum for lower premiums. A spotless record shows insurers your business is low-risk.
Get Covered in a Click with Insurance Canopy!
Ready to polish off the best coverage for your window cleaning business? With unbeatable rates and comprehensive protection, getting covered is a breeze. Keep your business spotless—secure your coverage with Insurance Canopy today!
Allison Kirschbaum | Copywriter
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
