Window Cleaning Insurance

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.