Window Cleaning Insurance

Window Cleaning Insurance

Wipe away your worries and get the peace of mind you deserve with a comprehensive window cleaning liability insurance policy.

Zensurance - Window Cleaning Contractor

Partnerships with over 50 leading Canadian insurance providers

Window Cleaner

Insurance for window cleaners

Professional window cleaning is a potentially risky line of business. Depending on the services you provide, and if they’re residential, commercial, or industrial, your window cleaning business faces a host of potential liabilities. For instance, one of your customers could sue you for third-party property damage or bodily injury, or an employee could fall from a ladder or a window cleaning aerial lift.

Regardless of the types of services you provide, professional window cleaners need to protect their businesses with a customized window cleaning insurance policy.

Window cleaning insurance is a policy that’s exclusively designed and customized for professional window cleaners. It protects against the specific risks and liabilities these types of professionals face daily.

Window cleaning insurance is the risk management strategy you need to protect your business and assets. It’s a forward-looking, affordable way to protect your company, employees, inventory, and customers.

A comprehensive window cleaning insurance policy may include several types of coverages, including:

  • Commercial General Liability (CGL) Insurance: CGL protects your business in its day-to-day activities. Frequently referred to as ‘slip-and-fall’ insurance, CGL protects you against third-party bodily injury or property damage claims. For instance, if one of your employees is on a ladder and accidentally drops a squeegee that hits a passerby injuring them, CGL may pay for their medical expenses. If you are sued, CGL may pay your legal defence expenses and the outcome of a lawsuit.
  • Commercial Property Insurance: A lot can happen to the building where you store your window cleaning company’s equipment and manage your business. If that location is damaged because of severe weather, fire, flood, or a break-in, commercial property insurance provides financial support for damages to your property, and your contents and inventory. Commercial property coverage may also include business interruption insurance, which reimburses you for lost income following an insured event like a fire. It may cover the income you lost while repairs are underway, as well as operational costs such as your business property’s rent and employee wages.
  • Tools and Equipment Insurance: From squeegees, hoses, and ladders to ropes, aerial lifts, and safety gear, you should protect the expensive tools and equipment in your window cleaning business’s inventory. Tools and equipment insurance does exactly that by providing financial support if your tools and equipment are damaged or destroyed in a fire or flood or vandalized or stolen. That includes when they are being transported from one customer location to another.
  • Pollution Liability Insurance: Window cleaning businesses tend to use specific chemicals and raw materials that are designed to provide the best glass-cleaning results. However, many of those products may be toxic and harmful to human health or properties. Pollution liability coverage protects you from third-party bodily injury and property damage claims and environmental liabilities associated with exposure to those materials. Whether any environmental damage or physical health injuries are sudden or gradual, this coverage is designed to pay for civil fines, clean-up costs, and the medical expenses of anyone who suffers an illness because of your work.
  • Commercial Auto Insurance: If your window cleaning business has one or more utility vans or other types of vehicles it uses to transport materials, equipment, and people, you need a commercial auto policy. Private-passenger auto insurance may not cover any accidents or incidents involving your business vehicles.

Speak to one of our licensed brokers to determine what coverages you need in your customized policy and ensure your window cleaning business is adequately protected.

The cost of insurance for a window cleaning business working on residential projects typically starts at around $450 per year for a commercial general liability policy with a $2 million coverage limit. However, there are several factors insurance companies consider when determining a price for your policy, including:

  • Your business’s size and location
  • The services you provide (interior or exterior) and types of buildings you clean
  • The heights you will be scaling to do exterior work
  • How many employees you have
  • The tools and equipment you own
  • If you have business vehicles
  • Years of experience
  • Your annual and projected revenues
  • Your insurance claims history

All window cleaning businesses need to be insured against the risks they face no matter what type of services they provide, including:

  • Commercial and residential window cleaning
  • Glass door cleaning
  • Hard water removal
  • High-rise window cleaning
  • Interior and exterior window cleaning
  • Pressure or power washing
  • Window screen cleaning

Need your Certificate of Insurance (COI) fast?

We know your time is valuable. Get your free quote, coverage, and certificate of insurance instantly.

COI graphic

Common claims scenarios

high-rise window cleaner

Problem: While working on a commercial highrise building, you accidentally dropped your squeegee and injure a pedestrian.

Outcome: Your commercial general liability insurance may pay for the injured pedestrian’s medical expenses and cover your legal fees if they sue you.

window cleaning equipment harness

Problem: A work-related accident caused significant damage to your safety harness and window cleaning aerial lift platform.

Outcome: Your tools and equipment insurance may pay the cost to repair the damaged equipment.

road accident with work vehicle

Problem: One of your employees gets into an auto accident with your company’s utility van, which causes damage to your van and the other driver’s car.

Outcome: Your commercial auto insurance may pay to repair the damages to both vehicles.

Frequently asked questions

My company was granted a commercial window cleaning contract. Do I need to increase my coverage limit?

It’s recommended to have at least $2 million of coverage at a minimum. However, some contracts may require you to have a limit greater than $2 million. In those cases, it is wise to adhere to the contract’s terms and ensure you are covered adequately. Speak to a licensed broker if you need to increase your coverage limit.

If I have a door-to-door sales team, are they covered by my policy in case of accidental property damage?

If the members of your sales team are also full-time employees, yes, your policy will provide them with coverage. If they are part-time employees, it will depend on your insurance carrier. However, most insurers consider part-time employees and subcontractors as one and the same, meaning they will need to get their own insurance policies.

Will my insurance policy cover me if my window cleaning business uses specific chemicals such as chlorine and ammonia to clean exterior windows?

Provided you include pollution liability coverage as part of your overall policy, and your insurer is aware of the types of chemicals you use, yes, your business will be covered for environmental and property damages or physical injuries to people that occur as result of the materials your business uses.

Why choose Zensurance?

Online Business Insurance Quote Form

Intuitive Online Experience

Do everything online, at your
convenience

24 HR Customer Support For Insurance Questions

Always Here For You

We’re just a click away

Business Insurance Coverage Full Transparency

Full Transparency

Get only the coverage you need in clear language

Our Most Recent Reviews

See what our small business customers have to say about us.

Google reviews rating 4.8 of 5 stars from 1500 plus Google Reviews

4.8 4.8 stars review
3000+ Google Reviews

Ready to start? Let’s get a quote!

Your window cleaning business needs a clear, transparent view to getting the comprehensive insurance coverage you need. 

Fill out an online application to get a free quote from Zensurance. Our licensed brokers will shop our partner network of more than 50 leading Canadian insurance companies to get you the customized policy you need at the best price on the market.