Window cleaning insurance averages $167 monthly, with costs ranging from $62 to $234 based on coverage and location factors.
Get matched with cheap window cleaning business insurance below.
Updated: November 12, 2025
Advertising & Editorial Disclosure
Window cleaning business insurance costs range from $2,145 to $3,278 annually on average, depending on coverage type, state and sub-industry.
Your window cleaning insurance premiums depend on your location, claims history, the services you provide and your employee count.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable Window Cleaning business insurance costs.
Average business insurance costs for window cleaning companies are:
| BOP | $234 | $2,813 |
| General Liability | $160 | $1,919 |
| Professional Liability (E&O) | $62 | $748 |
| Workers' Comp | $210 | $2,514 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
General liability insurance for your window cleaning business costs different amounts depending on where you work. Maine charges just $139 monthly compared to the $160 national average. New York costs $186 monthly.
| Alabama | $157 | $1,883 |
| Alaska | $147 | $1,758 |
| Arizona | $149 | $1,794 |
| Arkansas | $153 | $1,842 |
| California | $178 | $2,139 |
| Colorado | $159 | $1,904 |
| Connecticut | $174 | $2,087 |
| Delaware | $172 | $2,063 |
| Florida | $173 | $2,079 |
| Georgia | $163 | $1,951 |
| Hawaii | $172 | $2,067 |
| Idaho | $152 | $1,821 |
| Illinois | $176 | $2,108 |
| Indiana | $156 | $1,873 |
| Iowa | $152 | $1,828 |
| Kansas | $155 | $1,865 |
| Kentucky | $146 | $1,758 |
| Louisiana | $184 | $2,214 |
| Maine | $139 | $1,664 |
| Maryland | $153 | $1,832 |
| Massachusetts | $168 | $2,015 |
| Michigan | $152 | $1,819 |
| Minnesota | $150 | $1,801 |
| Mississippi | $161 | $1,929 |
| Missouri | $158 | $1,898 |
| Montana | $159 | $1,912 |
| Nebraska | $151 | $1,817 |
| Nevada | $179 | $2,147 |
| New Hampshire | $159 | $1,910 |
| New Jersey | $181 | $2,176 |
| New Mexico | $161 | $1,931 |
| New York | $186 | $2,235 |
| North Carolina | $139 | $1,664 |
| North Dakota | $139 | $1,669 |
| Ohio | $148 | $1,782 |
| Oklahoma | $153 | $1,834 |
| Oregon | $149 | $1,784 |
| Pennsylvania | $185 | $2,216 |
| Rhode Island | $176 | $2,110 |
| South Carolina | $165 | $1,978 |
| South Dakota | $150 | $1,795 |
| Tennessee | $156 | $1,873 |
| Texas | $161 | $1,937 |
| Utah | $150 | $1,801 |
| Vermont | $154 | $1,844 |
| Virginia | $146 | $1,749 |
| Washington | $182 | $2,184 |
| West Virginia | $168 | $2,015 |
| Wisconsin | $157 | $1,885 |
| Wyoming | $148 | $1,776 |
Note: These general liability rates reflect window cleaning businesses with two employees across different states. Your rates depend on location, claims history and property types you clean.
Workers' compensation insurance costs change dramatically by state for window cleaning businesses. North Carolina charges $179 monthly, the lowest rate. New York hits $244 monthly. State regulations and claim histories create these price gaps.
| Alabama | $203 |
| Alaska | $192 |
| Arizona | $199 |
| Arkansas | $201 |
| California | $231 |
| Colorado | $207 |
| Connecticut | $229 |
| Delaware | $225 |
| Florida | $226 |
| Georgia | $213 |
| Hawaii | $220 |
| Idaho | $199 |
| Illinois | $228 |
| Indiana | $202 |
| Iowa | $199 |
| Kansas | $203 |
| Kentucky | $194 |
| Louisiana | $240 |
| Maine | $182 |
| Maryland | $198 |
| Massachusetts | $220 |
| Michigan | $199 |
| Minnesota | $198 |
| Mississippi | $212 |
| Missouri | $206 |
| Montana | $209 |
| Nebraska | $197 |
| Nevada | $239 |
| New Hampshire | $209 |
| New Jersey | $238 |
| New Mexico | $211 |
| New York | $244 |
| North Carolina | $179 |
| Oklahoma | $193 |
| Oregon | $195 |
| Pennsylvania | $239 |
| Rhode Island | $229 |
| South Carolina | $215 |
| South Dakota | $196 |
| Tennessee | $203 |
| Texas | $211 |
| Utah | $199 |
| Vermont | $200 |
| Virginia | $190 |
| West Virginia | $220 |
| Wisconsin | $205 |
Note: These workers' comp rates reflect window cleaning businesses with two employees across different states. Your requirements and costs change by state since each one has different regulations.
Professional liability costs different amounts by state. Window cleaning businesses pay $62 monthly on average nationwide. North Dakota charges just $54 monthly. Pennsylvania costs $73 monthly, the highest rate.
| Alabama | $63 |
| Alaska | $57 |
| Arizona | $60 |
| Arkansas | $60 |
| California | $72 |
| Colorado | $62 |
| Connecticut | $69 |
| Delaware | $66 |
| Florida | $67 |
| Georgia | $65 |
| Hawaii | $67 |
| Idaho | $58 |
| Illinois | $69 |
| Indiana | $62 |
| Iowa | $58 |
| Kansas | $60 |
| Kentucky | $58 |
| Louisiana | $69 |
| Maine | $54 |
| Maryland | $59 |
| Massachusetts | $65 |
| Michigan | $59 |
| Minnesota | $59 |
| Mississippi | $63 |
| Missouri | $61 |
| Montana | $62 |
| Nebraska | $59 |
| Nevada | $70 |
| New Hampshire | $61 |
| New Jersey | $70 |
| New Mexico | $64 |
| New York | $71 |
| North Carolina | $55 |
| North Dakota | $54 |
| Ohio | $58 |
| Oklahoma | $58 |
| Oregon | $58 |
| Pennsylvania | $73 |
| Rhode Island | $69 |
| South Carolina | $64 |
| South Dakota | $59 |
| Tennessee | $60 |
| Texas | $63 |
| Utah | $59 |
| Vermont | $59 |
| Virginia | $57 |
| Washington | $71 |
| West Virginia | $66 |
| Wisconsin | $61 |
| Wyoming | $59 |
Note: These professional liability rates reflect window cleaning businesses with two employees across different states. Your rates depend on services offered and location.
Window cleaning business insurance costs change based on your state's regulations and risk factors. BOP insurance ranges from $200 in North Dakota to $273 in Pennsylvania for identical coverage.
North Dakota charges the lowest at $200 monthly. Pennsylvania costs the most at $273 monthly. That $73 gap shows how much location impacts your insurance budget.
Maine and North Carolina charge budget friendly rates at $206 and $202. New York and Pennsylvania both hit $273. Washington costs $268 monthly.
| Alabama | $229 |
| Alaska | $207 |
| Arizona | $219 |
| Arkansas | $226 |
| California | $257 |
| Colorado | $230 |
| Connecticut | $252 |
| Delaware | $251 |
| Florida | $253 |
| Georgia | $235 |
| Hawaii | $257 |
| Idaho | $219 |
| Illinois | $258 |
| Indiana | $230 |
| Iowa | $226 |
| Kansas | $232 |
| Kentucky | $218 |
| Louisiana | $272 |
| Maine | $206 |
| Maryland | $222 |
| Massachusetts | $245 |
| Michigan | $227 |
| Minnesota | $219 |
| Mississippi | $239 |
| Missouri | $231 |
| Montana | $230 |
| Nebraska | $222 |
| Nevada | $265 |
| New Hampshire | $233 |
| New Jersey | $265 |
| New Mexico | $236 |
| New York | $273 |
| North Carolina | $202 |
| North Dakota | $200 |
| Ohio | $212 |
| Oklahoma | $223 |
| Oregon | $220 |
| Pennsylvania | $273 |
| Rhode Island | $258 |
| South Carolina | $246 |
| South Dakota | $221 |
| Tennessee | $232 |
| Texas | $241 |
| Utah | $219 |
| Vermont | $221 |
| Virginia | $214 |
| Washington | $268 |
| West Virginia | $244 |
| Wisconsin | $230 |
| Wyoming | $218 |
Note: These BOP rates reflect window cleaning businesses with two employees across different states. Your rates depend on business size, location and coverage needs.
Window cleaning business insurance costs swing from $90 to $244 monthly depending on which company you pick. Price gaps reflect each insurer's market focus and how they assess risk.
| Chubb | $191 | $2,294 |
| Coverdash | $149 | $1,788 |
| Hiscox | $184 | $2,203 |
| NEXT Insurance | $244 | $2,932 |
| Nationwide | $161 | $1,938 |
| Progressive Commercial | $168 | $2,019 |
| Simply Business | $149 | $1,782 |
| The Hartford | $140 | $1,679 |
| Thimble | $90 | $1,079 |
| biBERK | $181 | $2,174 |
Several factors determine what you'll pay for window cleaning business insurance.
Urban markets with high-rise buildings create demand for specialized services but also higher risk. Companies working in dense cities with tall structures have different premium calculations than those serving suburban homes and low-rise commercial properties.
Falls from ladders and scaffolding generate the most severe claims for window cleaners. Worker injuries, property damage from dropped equipment or water infiltration incidents drive up your rates for multiple years.
Single-story storefronts and ground-level residential windows represent straightforward work. Cleaning multi-story office buildings, atriums or skyscrapers introduces rope access, swing stages and boom lifts that escalate both risk and insurance costs.
Window cleaners have constant fall hazards that make this trade riskier than many realize. Workers' comp premiums reflect these dangers, with costs multiplying as you add technicians to handle more accounts and taller buildings.
Exterior washing with standard equipment keeps liability manageable for most operations. Adding pressure washing, gutter cleaning or working above three stories pushes you into categories requiring specialized fall protection and corresponding premium increases.
Route density and contract values tell insurers about your operational scope. Solo operators servicing residential clients for $55,000 annually sit in different underwriting brackets than crews handling commercial high-rises and earning $280,000.
Property managers and commercial building owners require proof of insurance before granting access. Standard $1 million policies work for residential routes, but high-rise contracts often demand $2 million in liability to cover potential fall accidents.
Ladders, water-fed poles, squeegees and service vehicles represent modest investments for basic operations. Companies maintaining boom trucks, rope access gear or motorized platforms need higher property coverage to protect specialized equipment.
OSHA compliance and documented fall protection training demonstrate risk awareness to underwriters. Companies with certified rope access technicians, regular safety meetings and written procedures qualify for better rates than those without formal programs.
Cut your window cleaning business insurance costs by comparing quotes and using proven cost saving strategies. Find affordable coverage without hurting your long term insurability.
Window cleaning companies need general liability for property damage like broken glass and water damage to interiors, professional liability for scratched windows or improper cleaning, and workers compensation since fall injuries are the primary risk.
Add commercial auto for service vehicles, inland marine for ladders and equipment, and excess liability if you work on multi-story buildings where fall risks and potential damages are higher.
Window cleaning premiums vary based on building height. Ground-level residential work costs far less than high-rise commercial requiring scaffolding, lifts or rappelling equipment.
Height-work insurers understand OSHA fall protection requirements and rope access certifications better than general carriers.
Combining general liability, commercial auto, and equipment coverage saves 17% to 25% compared to purchasing separately. Many insurers offer window cleaning packages that include professional liability and excess coverage at reduced bundle rates.
Higher equipment deductibles of $1,000 to $2,500 can reduce premiums by 18% to 26%, which works for contractors with standard ladders and squeegees.
Monthly installment plans add 5% to 10% in processing fees, which, on a $6,500 window cleaning policy, costs $325 to $650 extra annually. Paying upfront removes these charges and earns 6% to 9% discounts from specialty carriers.
Review your policy when you hire cleaners, expand into high-rise work requiring specialized equipment or add pressure washing or gutter cleaning services.
Most window cleaning businesses pay $62 to $234 monthly for insurance, but prices vary depending on where you operate, your past claims and your business size. Keep costs low by gathering multiple quotes, bundling your policies, raising your deductible and paying annually instead of monthly.
Check answers to common questions about window cleaning insurance costs below:
Professional liability (E&O) insurance is the cheapest at $62 monthly, but it only covers errors in your services. Most window cleaning businesses need general liability coverage ($160 monthly) since it protects against customer injuries and property damage claims.
You'll pay more in expensive states. General liability in California runs $178 monthly versus $160 national average, and BOP costs $257 monthly versus $234 average. New York has similar rates at $186 and $273.
Bundling saves more than purchasing individual policies. Most insurance companies offer discounts when you package general liability, commercial auto coverage and commercial property insurance together under one provider.
Working at dangerous heights, previous insurance claims, high-crime service areas, larger employee counts, specialized commercial contracts, valuable equipment coverage needs and poor business credit increase costs.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs per claim. Choose based on your available cash reserves and anticipated claim frequency.
Window cleaning businesses have varying workers' compensation costs by state, spanning from $179 monthly in North Carolina to $244 monthly in New York for coverage.
Yes, BOP insurance is worth buying for window cleaning companies. BOP costs $234 monthly but bundles general liability, commercial property and business interruption coverage together. You'll save money compared to buying individual policies and get more convenience.
Shop annually when your policy renews. Compare quotes from multiple insurers to find savings, especially after expanding services or adding staff members.
Window cleaning businesses need accurate cost data to budget properly and choose the right coverage. We collected quotes from companies across different states to show what you'll actually pay for insurance.
Every quote used the same business setup:
Our sample profile represents a typical small window cleaning business needing comprehensive coverage. We selected companies with broad national coverage and online quote capabilities, focusing on insurers that serve the window cleaning industry.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
