The Hartford earned our top spot for the best window cleaning insurer due to its excellent customer service and comprehensive coverage. However, we recommend comparing quotes from our other top picks, including Thimble, Nationwide and Simply Business.
Best Window Cleaning Business Insurance
Updated: July 10, 2025
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Key Takeaways
The Hartford is the best business insurance company for window cleaning firms because it offers the greatest balance of customer service and coverage.
The cheapest overall commercial insurance provider for window cleaning businesses is Thimble, with low monthly rates for various coverage types.
To shop for business insurance for your window cleaning business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.
Best Business Insurance for Window Cleaning Companies
| The Hartford | 92 | 91 | 91 |
| Thimble | 91 | 98 | 81 |
| Nationwide | 91 | 89 | 91 |
| Simply Business | 90 | 90 | 83 |
| Coverdash | 90 | 90 | 83 |
| biBERK | 88 | 86 | 91 |
| Chubb | 88 | 85 | 87 |
| NEXT Insurance | 87 | 80 | 94 |
| Progressive Commercial | 86 | 88 | 81 |
| Hiscox | 86 | 86 | 87 |
*All scores were based on a window-cleaning business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. The Hartford
pros
Lowest professional liability pricing
Excellent customer service rating
High financial strength (AM Best A+)
cons
BOP pricing is on the high side
COMPANY HIGHLIGHTS
The Hartford leads our list for window cleaning businesses thanks to its strong mix of coverage quality, customer satisfaction, and competitive pricing. It offers the cheapest professional liability insurance at just $56 per month and offers competitive workers' comp rates.
Backed by an A+ from AM Best, it’s a good choice for growing window cleaning firms with multiple employees or higher-value job sites. While its BOP policy is more expensive, The Hartford works well for those wanting stability and strong claims support.
2. Thimble
pros
Cheapest general liability and BOP coverage
Flexible, on-demand policy options
Strong pricing across all categories
cons
Limited long-term policy options for larger teams
COMPANY HIGHLIGHTS
Thimble is a great choice for window cleaning companies, offering the lowest rates for general liability ($42 per month), BOP ($64), and workers’ comp coverage. It’s particularly well-suited to smaller crews, part-time cleaners, or businesses that want short-term or project-based coverage.
Its app-based platform allows easy quote access and policy management, which is ideal for business owners on the go. While it may not support complex customizations for high-volume firms, Thimble offers affordability and flexibility for small operators.
3. Nationwide
pros
Strong customer service rating
Competitive pricing for liability coverage
Long-term policy reliability
cons
BOP rates are above average
COMPANY HIGHLIGHTS
Nationwide is a dependable choice for window cleaning companies that value strong service and long-term policy options. It’s one of the top-rated insurers in customer satisfaction and offers general liability and workers’ comp coverage at rates close to the industry average.
While its BOP pricing is higher than budget providers like Thimble, Nationwide offers robust policy support, making it a dependable pick for established window cleaning businesses with ongoing commercial contracts. It’s a good fit for firms prioritizing consistency over price alone.
Cheapest Business Insurance for Window Cleaning Firms
Based on our study of business insurance pricing, Thimble offers the cheapest overall commercial insurance for window cleaning companies across most policy types. However, this applies only to window cleaning companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Window Cleaning Companies
With an average monthly rate of $42, Thimble offers the lowest-cost general liability insurance for window cleaning companies. Even so, consider getting quotes from the next-most-affordable insurers: Simply Business and Coverdash.
| Thimble | $42 | $503 |
| Simply Business | $134 | $1,611 |
| Coverdash | $135 | $1,616 |
| The Hartford | $139 | $1,670 |
| Nationwide | $142 | $1,704 |
| Progressive Commercial | $167 | $2,008 |
| Chubb | $183 | $2,198 |
| Hiscox | $189 | $2,262 |
| biBERK | $194 | $2,326 |
| NEXT Insurance | $303 | $3,636 |
Cheapest Workers' Comp Insurance for Window Cleaning Companies
For window cleaning businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $89 per month or $1,073 yearly. You may also want to compare prices from other low-cost providers like Progressive Commercial, Hiscox, Simply Business and The Hartford.
| Thimble | $89 | $1,073 |
| Progressive Commercial | $96 | $1,157 |
| Hiscox | $100 | $1,199 |
| Simply Business | $100 | $1,195 |
| The Hartford | $101 | $1,217 |
| Coverdash | $102 | $1,227 |
| NEXT Insurance | $104 | $1,250 |
| biBERK | $105 | $1,263 |
| Nationwide | $112 | $1,347 |
| Chubb | $120 | $1,445 |
Cheapest Professional Liability Insurance for Window Cleaning Companies
The Hartford offers the most affordable professional liability insurance options for window cleaning companies, with low average monthly rates of $56. You may also want to compare prices from other low-cost providers like NEXT Insurance, Progressive Commercial and Thimble.
| The Hartford | $56 | $667 |
| NEXT Insurance | $58 | $690 |
| Progressive Commercial | $60 | $714 |
| Hiscox | $61 | $738 |
| Thimble | $61 | $734 |
| Simply Business | $62 | $743 |
| Coverdash | $63 | $757 |
| biBERK | $64 | $772 |
| Nationwide | $67 | $810 |
| Chubb | $73 | $871 |
Cheapest BOP Insurance for Window Cleaning Companies
Thimble provides the most affordable BOP coverage for window cleaning companies, with an average yearly cost of $774 for bundled general liability and property protection. That's a savings of roughly $1,347 annually compared to The Hartford, the second most affordable option.
| Thimble | $64 | $774 |
| The Hartford | $177 | $2,121 |
| Coverdash | $196 | $2,347 |
| Simply Business | $202 | $2,426 |
| Nationwide | $213 | $2,552 |
| Progressive Commercial | $247 | $2,960 |
| biBERK | $256 | $3,069 |
| Chubb | $273 | $3,275 |
| Hiscox | $282 | $3,384 |
| NEXT Insurance | $440 | $5,275 |
What Type of Coverage Do You Need for a Window Cleaning Business?
If you have employees, you'll need workers' comp insurance in most states, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED WINDOW CLEANING BUSINESS COVERAGE
You should get general liability insurance for your window cleaning business because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance also works well if you work under client contracts or provide specialized services. This works well for window cleaning businesses with commercial contracts or higher-risk work like technical, legal or customized services.
How to Get the Best Cheap Business Insurance for Your Window Cleaning Company
Here's a step-by-step method for finding the best and cheapest business insurance for your window-cleaning company.
- 1
Decide on coverage needs before buying
Think about what could go wrong in your business, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs and prevent you from being convinced to get excessive coverage.
- 2
Research costs
For the best deal, research average costs for your business profile and determine which providers offer the cheapest rates overall. This will give you a measuring stick for how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
To narrow your list, research what customers say on online rating sites and forums to get a more comprehensive look at company services. Also, so you're covered for what you actually need, research coverage options to ensure you're covered for the right items.
- 4
Compare multiple quotes through different means
The best way to find the best deal is to compare multiple quotes for apples-to-apples coverage. Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Window Cleaning Business's Liability Risk
Reducing liability risks helps window cleaning businesses aiming to manage insurance costs effectively. We've organized risk mitigation strategies based on the specific risk level or service type of your business to help you navigate and implement the most suitable solutions.
Risk Tier | Included Window Cleaning Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | High-rise cleaners, exterior skyscraper services | Require OSHA and fall protection training, use certified harnesses and anchor systems, conduct daily equipment inspections, use buddy systems and radios |
Moderately High | Mid-rise commercial cleaners, storefront crews | Train on ladder safety, implement weather policy for rescheduling, perform pre-job site walkthroughs, require PPE for all employees |
Moderate | Residential crews, small teams | Use protective padding on ladders/tools, perform property walkthroughs with client, document services before/after, carry janitorial bond for client trust |
Lowest | Part-time/seasonal operations, solo cleaners | Offer digital quotes and clear terms, use tool checklists, keep detailed logs for claims, carry general liability at minimum $1M coverage |
Best Insurance for Window Cleaning Business: Bottom Line
The Hartford is the best insurer for window cleaning business insurance, while Thimble offers the cheapest option overall. We also recommend getting quotes from Simply Business, Nationwide and Coverdash. For the best deal, talk to agents, research providers and pricing, and compare multiple quotes side by side.
Window Cleaning Business Insurance: FAQ
This section answers frequently asked questions about business insurance for window cleaning companies. It provides insights into the most affordable and reliable insurance options available, helping you protect your business effectively.
Who offers the best window cleaning business insurance overall?
The Hartford provides the best window cleaning business insurance with an excellent customer service rating and an impressive MoneyGeek score of 92 out of 100. Thimble follows closely with a score of 91.
Who has the cheapest business insurance for window cleaning companies?
Here are the cheapest business insurance companies for window cleaning companies by coverage type:
- Cheapest general liability insurance: Thimble at $42 per month
- Cheapest workers' comp insurance: Thimble at $89 per month
- Cheapest professional liability insurance: The Hartford at $56 per month
- Cheapest BOP insurance: Thimble at $64 per month
What business insurance is required for window cleaning organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for window cleaning businesses, with requirements varying by state. While not legally mandated, general liability insurance and surety bonds are effectively required by most commercial clients and property leases.
How much does window cleaning business insurance cost?
Business insurance costs for window cleaning companies depend on risk exposure, employee count, and equipment use. Below are the average monthly costs for core coverage types:
- General Liability: $153 per month
- Workers Comp: $103 per month
- Professional Liability: $63 per month
- BOP Insurance: $235 per month
How We Chose the Best Window Cleaning Business Insurance
We selected the best business insurer for window-cleaning companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Window-cleaning business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.