Best Window Cleaning Business Insurance

The Hartford has the best business insurance for window cleaning services with an overall score of 4.6 out of 5. At $140 monthly ($1,679 annually), The Hartford provides comprehensive financial protection at competitive rates for your window cleaning business. We also recommend comparing quotes from our other top picks, such as Coverdash, Thimble, Nationwide and Simply Business, to see all your options for the best window cleaning insurance.

Note: We based all scores on a window-cleaning business with two employees across professional liability, general liability, workers' comp and BOP policies.

Thimble offers the most affordable insurance for window cleaning services at $90 monthly ($1,079 annually). It ranks first for general liability at $42 monthly and BOP coverage at $64 monthly. Professional window cleaners shopping for workers' compensation will find better rates with NEXT and The Hartford. For professional liability, The Hartford leads at $56 monthly, with NEXT close behind at $57 monthly.

In general, window cleaning business insurance costs are the following for the four most popular coverage types:

• General Liability: $160 on average per month, ranging from $139 to $186, depending on the state
• Workers' Comp: $210 on average per month, ranging from $179 to $244, depending on the state
• Professional Liability (E&O): $62 on average per month, ranging from $54 to $73, depending on the state
• BOP Insurance: $234 on average per month, ranging from $200 to $273, depending on the state

The required coverage for professional window cleaners include workers' compensation if you have employees and commercial auto insurance for business vehicles. Beyond these mandates, general liability and professional liability insurance protect window cleaning businesses from common financial risks they face daily.

• Workers' Compensation Insurance: Window cleaning businesses with employees must carry workers' comp in almost every state. Your window cleaner working 20 stories up falls from scaffolding and sustains serious injuries requiring surgery and months of recovery. This coverage pays medical bills and lost wages while protecting you from employee lawsuits. State requirements vary, but expect minimum limits around $100,000 per accident.
• Commercial Auto Insurance: Required in all states except New Hampshire for business-owned vehicles. Your employee backing out of a commercial property parking lot collides with a client's luxury sedan. Coverage handles property damage, medical bills and legal fees from vehicle accidents. While state minimums run around $25,000/$50,000/$25,000, commercial window cleaners benefit from higher limits of $500,000 to $1 million given the value of client properties.
• General Liability Insurance: While cleaning storefront windows, your ladder tips and shatters a display case worth $5,000 or a pedestrian slips on soapy water from your squeegee runoff. This protects window cleaning services against third-party bodily injury and property damage claims. Most commercial contracts require $1 million per occurrence and $2 million aggregate, which are standard limits for the industry.
• Professional Liability Insurance (E&O): A harsh cleaning chemical you used leaves permanent cloudiness on expensive specialty glass at a medical office. The client demands $15,000 in replacement costs. This covers claims that your window washing work was inadequate or caused financial loss to clients. Commercial window cleaning businesses typically carry $500,000 to $1 million in coverage.
• Inland Marine (Tools and Equipment) Insurance: Your $8,000 worth of water-fed poles, squeegees and specialized high-rise equipment gets stolen from your van overnight at a job site. This protects window cleaning gear in transit, at client properties, or in storage. Base your coverage on actual replacement value, typically $5,000 to $15,000 depending on your equipment inventory.
• Commercial Property Insurance: Fire damages your storage facility destroying $20,000 in inventory and window cleaning equipment. This covers your building, contents, and business property from fires, storms, theft and vandalism at your business location. Choose replacement cost coverage matching the full value of your property and contents.

Here's our step-by-step guide to getting business insurance for your window cleaning business at the best rates.

Window cleaning businesses face serious risks from working at heights and handling client property, making proper insurance protection essential. The Hartford leads our rankings with a 4.6 out of 5 score, covering professional window cleaners across workers' compensation, commercial auto, general liability and professional liability needs. Budget-focused window cleaning services can start with Thimble at $42 monthly for general liability or $90 monthly for complete coverage.

We answer frequently asked questions about 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 the company 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 providers 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 companies are 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:

• Three-person 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