Window cleaning business insurance costs vary across coverage types, helping you plan your budget effectively. MoneyGeek's analysis shows monthly premiums range from $62 for professional liability coverage to $234 for a business owner's policy (BOP).
How Much Does Window Cleaning Business Insurance Cost?
Business insurance for window cleaning companies can cost as little as $62 per month, though your specific business details will determine your final rate.
Discover cheap window cleaning business insurance below.
Select your industry
Updated: August 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
Window cleaning business insurance costs range from $62 to $234 monthly, depending on your coverage type.
Your window cleaning insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable window cleaning business insurance costs.
Average Window Cleaning Business Insurance Cost Overall
| BOP | $234 |
| General Liability | $160 |
| Professional Liability (E&O) | $62 |
| Workers' Comp | $210 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Window Cleaning Business Insurance Cost for General Liability Coverage by State
Your Window Cleaning business general liability coverage costs vary by location. Maine offers the most savings at $139 monthly (versus the $161 national average), while New York costs $186 monthly.
| Alabama | $157 |
| Alaska | $147 |
| Arizona | $149 |
| Arkansas | $153 |
| California | $178 |
| Colorado | $159 |
| Connecticut | $174 |
| Delaware | $172 |
| Florida | $173 |
| Georgia | $163 |
| Hawaii | $172 |
| Idaho | $152 |
| Illinois | $176 |
| Indiana | $156 |
| Iowa | $152 |
| Kansas | $155 |
| Kentucky | $146 |
| Louisiana | $184 |
| Maine | $139 |
| Maryland | $153 |
| Massachusetts | $168 |
| Michigan | $152 |
| Minnesota | $150 |
| Mississippi | $161 |
| Missouri | $158 |
| Montana | $159 |
| Nebraska | $151 |
| Nevada | $179 |
| New Hampshire | $159 |
| New Jersey | $181 |
| New Mexico | $161 |
| New York | $186 |
| North Carolina | $139 |
| North Dakota | $139 |
| Ohio | $148 |
| Oklahoma | $153 |
| Oregon | $149 |
| Pennsylvania | $185 |
| Rhode Island | $176 |
| South Carolina | $165 |
| South Dakota | $150 |
| Tennessee | $156 |
| Texas | $161 |
| Utah | $150 |
| Vermont | $154 |
| Virginia | $146 |
| Washington | $182 |
| West Virginia | $168 |
| Wisconsin | $157 |
| Wyoming | $148 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Window Cleaning Business Insurance Cost for Workers’ Compensation Coverage by State
Your window cleaning business cost for workers' compensation varies by state. North Carolina offers the lowest rates at $179 monthly and New York the highest at $244 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Window Cleaning Business Insurance Cost for Professional Liability Coverage by State
Your Window Cleaning business cost for professional liability varies by state, like other coverage types. The national average is $62 monthly. North Dakota offers the lowest rates at $54 for E&O (errors and omissions) insurance, while Pennsylvania charges the highest at $73 monthly.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Window Cleaning Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary widely for window cleaning businesses across states. Monthly premiums range from $200 in North Dakota to $273 in Pennsylvania.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Window Cleaning Business Insurance Cost
Insurance costs for your window cleaning business are based on several factors that insurance companies review to set rates. Understanding these elements helps with budget planning. We explain the key cost factors below.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Window cleaners in areas with frequent storms or high winds face higher premiums, while regional building heights and window cleaning demand create substantial rate variations between states.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single fall-related incident can substantially increase your general liability rates at renewal.
Types of properties serviced
High-rise buildings and commercial properties carry greater liability risks than single-story structures. Working on skyscrapers or industrial facilities increases your risk profile compared to window cleaning residential windows at ground level.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services offered
Window cleaning at different heights and specialized services like pressure washing or solar panel window cleaning carry varying risk levels. Ground-level residential window cleaning faces lower premiums than high-rise commercial services.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A solo window cleaner earning $50,000 annually pays less than a commercial window cleaning company with $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive window cleaning equipment and vehicles require higher coverage limits, increasing your premiums. A company using hydraulic lifts and specialized window cleaning systems needs more coverage than one using basic ladders and hand tools.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Window Cleaning Business Insurance
Window cleaning business owners can lower their insurance costs through smart comparison shopping and risk management practices, and the strategies below offer both quick savings and long-term premium reductions.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your window cleaning company needs prevents overpaying for unnecessary coverage. General liability protects against customer property damage and accidents, while workers compensation covers employee injuries. Commercial property insurance safeguards your equipment and vehicles.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three companies to find the best rates. Consider working with an independent agent who can handle quote comparisons for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies. Combining general liability, commercial property, and commercial auto insurance with one provider typically costs less than separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for small claims, but your regular insurance payments will be lower.
- 5
Pay annually instead of monthly
Monthly payment processing fees can add up quickly. Paying your premium annually eliminates these extra charges and often qualifies you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policy yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and services.
Insurance for Window Cleaning Business Cost: Bottom Line
Window cleaning business insurance costs range from $62 to $234 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Window Cleaning Business Insurance Cost: FAQ
Our research team answers the most common questions about window cleaning business insurance costs to help you find affordable coverage.
What is the cheapest type of window cleaning business insurance?
Professional liability insurance costs $62 monthly, but it only covers errors and mistakes in your work.
Most businesses need general liability insurance ($160 monthly) to protect against customer injuries and property damage claims.
How much can I save by bundling my window cleaning business insurance policies?
Bundling policies through a BOP offers the best value, combining general liability and property coverage while saving up to 30% compared to separate policies.
What factors make my window cleaning business insurance more expensive?
Several key factors affect insurance costs: business location, claims history, facility types cleaned, workforce size, service risks, equipment value and credit standing.
Professional liability (E&O) insurance is the most budget-friendly option for window cleaning businesses, with average monthly premiums of $62 or $748 annually.
Should I choose a $500 or $2,500 deductible for my window cleaning business insurance?
Higher deductibles mean lower monthly premiums but require more money upfront when filing claims. Consider your available cash reserves and claim likelihood when selecting your deductible.
How much does workers' compensation cost for window cleaning businesses by state?
Window cleaning workers' compensation insurance costs range from $179 monthly in North Carolina to $244 monthly in New York, varying significantly based on your business location.
Is business owner's policy (BOP) worth the extra cost for window cleaning companies?
A business owner's policy costs around $234 monthly and bundles essential coverage types into one package. This comprehensive protection offers better value than purchasing individual policies for growing window cleaning businesses.
How often should I shop around for window cleaning business insurance quotes?
Shop for new quotes annually during renewal time. Compare at least three insurance providers to find better rates, particularly if your business has grown or changed services.
How We Determined Window Cleaning Business Insurance Costs
We collected windowcleaning business insurance quotes from companies across different states. To make sure we compared apples to apples, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small windowcleaning businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the windowcleaning 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.