Window Cleaning Insurance for Small Businesses and Independent Professionals 
What types of insurance does a window cleaning business need?
Affordable Liability Insurance for Cleaning Businesses
Window cleaning often means working at heights, on client property, and with specialized tools, bringing unique risks. With window cleaning insurance, you’re protected against accidents, property damage, and liability claims. Whether you work solo or operate a team, window cleaning liability insurance helps keep your business safe and your operations running with confidence.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Kind Of Window Cleaning Insurance Does Your Business Need?
If you run a window cleaning business, having the right insurance is essential to protecting your operations, employees, equipment, and reputation.
Here’s a breakdown of the key types of window cleaning insurance:
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General Liability Insurance – Covers third-party property damage or bodily injury
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Business Owners Policy– General liability and business equipment coverage all in one.
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Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
- Cyber Liability Insurance – Safeguards against digital threats, ransomware, and data breaches
How Much Does Window Cleaning Insurance Cost?
Window cleaning insurance costs can vary, but generally, Gild Insurance customers’ policy coverages start at $500 annually.
Here are a few factors that influence window cleaning business insurance:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find your window cleaning insurance costs is to get a free, online quote in minutes!
Why Window Cleaning Liability Insurance?
Window cleaning liability insurance provides essential protection by shielding your company from costly accidents and helping you build a trusted, professional reputation.
- Protect Your Business Assets: One major liability claim could lead to a costly lawsuit that threatens everything you’ve built. The right insurance helps protect your finances and keeps your lawn care business running smoothly.
- Meet Client Requirements: Many residential, commercial, and government clients won’t hire you without liability coverage. Having insurance ensures you can take on bigger jobs and more profitable contracts.
- Stand Out From the Competition: Being insured shows clients you’re serious, professional, and prepared, which helps you earn their trust and win more business.
- Protect Your Reputation: Showing that your business is insured gives clients confidence that you’re responsible and ready for anything, strengthening your reputation and credibility.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Window Cleaning Insurance Today!
Window cleaning insurance is about more than just coverage , it’s about protecting your livelihood. With Gild, you get more than a policy. You get a partner who understands pressure washing business and provides the protection, tools, and support you need to stay secure and keep growing.
Frequently Asked Questions
Window cleaning often involves ladders, lifts, and working around client property. The most important coverages include:
- General Liability – Protects against property damage, such as broken windows, or injuries to third parties.
- Workers’ Compensation – Required in most states if you have employees; covers workplace injuries like ladder falls or slips.
- Commercial Auto Insurance – Covers vehicles used to transport ladders, scaffolding, and equipment.
- Equipment Coverage – Protects your tools and gear from theft or damage while on the job or in transit.
- Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with income protection.
How much does window cleaning insurance cost on average?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does window cleaning insurance cover equipment loss, ladder accidents, or slip-and-fall claims?
Yes, with the right policies:
- Workers’ Compensation covers employee injuries such as ladder falls or slips on wet surfaces.
- General Liability covers third-party claims if a passerby is injured or if client property is damaged.
- Equipment Coverage protects expensive tools and gear against theft or damage, whether in transit or on site.
OSHA recognizes fall hazards as one of the most serious risks for window cleaners, making these coverages essential.
Do window cleaning businesses need insurance to qualify for client contracts or licensing?
Yes! Even if liability insurance is not legally required in all states, most property managers, municipalities, and commercial clients require proof of insurance before awarding contracts.
- Licensing: Some states and cities require proof of insurance to obtain a business license.
- Contracts: Commercial property managers often mandate liability coverage to protect their assets.
- Trust: Carrying insurance signals professionalism and reassures clients that risks are properly managed.
Having coverage is more than a safeguard, it is often the key to landing high-value jobs and repeat business.
Let's Get The Insurance Your Business Needs!
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