Specialized Insurance for Window Cleaners — Safeguard Every Job
Ensure your window cleaning projects are protected from unexpected risks with tailored insurance solutions. From small residential buildings to high-rise commercial properties, window cleaning insurance provides financial security and peace of mind for your business.
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Why Window Cleaning Businesses Need Specialized Insurance?
The window cleaning industry presents unique challenges that can result in unexpected expenses. Without the proper insurance, a single accident could lead to significant financial losses and interruptions in your operations. Window cleaning insurance offers vital protection against:
- Equipment Damage: Working at heights and handling specialized equipment exposes your tools to risks. Insurance helps cover repair or replacement costs if your cleaning gear is damaged.
- Accidental Property Damage: Cleaning windows near landscaping, signage, or other structures may result in accidental damage. Insurance covers the costs of such incidents, preventing unexpected financial strain.
- Injuries While Working: Cleaning windows often involves working on ladders, scaffolding, or other elevated surfaces, increasing the risk of falls and injuries. Workers’ compensation insurance ensures medical expenses and lost wages are covered if a team member gets hurt on the job.
Common Risks in Window Cleaning
Window cleaning involves physically demanding tasks, often performed in environments prone to accidents. Insurance can protect your business from the financial impact of common risks like:
- Fall Hazards: Working at heights, especially on ladders or scaffolding, increases the risk of falls, which can lead to serious injury.
- Glass Damage: Accidental scratches, cracks, or breakage of windows during cleaning can be costly to repair or replace.
- Slippery Surfaces: Water and cleaning solutions can make surfaces slippery, creating hazards for workers and pedestrians, leading to potential injury claims.
- Weather Delays: Sudden changes in weather, such as high winds or rain, can cause delays or increase the risks associated with working at heights, affecting your schedule.
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Key Benefits of Our Window Cleaning Insurance
As a roofer, you need the right insurance to cover all aspects of your work. Here’s a breakdown of the main coverages we offer for roofers:
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General Liability:
Roofing work happens on clients’ properties, where accidents can happen. General liability insurance guards your business against lawsuits if someone suffers an injury or property damage occurs while you’re working.
For example, if a passerby gets hurt at your job site or your equipment damages a neighbor’s house, this coverage pays for medical bills, repairs, and legal fees if needed.
This is vital to prevent costly lawsuits that can harm your business.
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Workers’ Compensation:
Roofers face daily hazards like falls, tool injuries, and exposure to hazardous materials. Workers’ comp insurance ensures that if a work-related accident happens, it covers your employees’ medical expenses and lost wages. This protects your staff and helps you comply with state regulations.
With workers’ comp, you can support your team and protect your business from lawsuits and workplace incidents.
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Equipment Coverage:
Your tools and gear are the backbone of your roofing business and a big investment. From nail guns and ladders to heavy machinery, any damage or theft can cause project delays.
Equipment insurance covers your tools against theft, damage, or loss so you can replace or fix equipment and keep your business running smoothly.
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Commercial Auto:
Your business relies on vehicles transporting materials, tools, or workers to job sites. Commercial auto insurance covers vehicles used for work purposes.
It covers damages from accidents, theft, or other incidents involving your company’s vehicles.
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Custom Solutions:
Every roofing business is unique, with its own risks, operations, and needs. That’s why we offer custom insurance plans that fit your business.
Whether you have a small outfit with one crew or a big roofing company with multiple teams, we can create a policy that suits you. We can add insured parties, high-risk projects, or specific tools and materials.
We work with you to understand your business and create an insurance package that provides the right level of coverage without making you pay for coverage you don’t need
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What Does Window Cleaner Insurance Cover?
Here are some of the more common accidents that window cleaner’s insurance covers, as well as some window washing related examples of these accidents.
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Bodily Injury:
These injuries consist of any bodily harm suffered by a third party as a direct result of something that you or an employee did.
Example: An unsecured ladder falls and hits a customer in the head, causing them to be knocked unconscious. The insurance policy will pay for any legal expenses in representing you. They will also pay for any settlements or judgments that are paid to the injured party.
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Property Damage:
You or one of your workers causes injury to your clients or a third party’s property damage.
Example: You press too hard on a large window and the glass shatters. You will have coverage to pay for the repairs.
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Advertising Injury:
Advertisement injuries are any sort of action taken against a company in a business setting, such as copyright infringement or libel.
Example: A business competitor claims your advertisement saying he leaves windows dirty and you do a better job is libelous. Now your competitor is suing you because of the ad.
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Medical Payments:
These are small amounts paid normally as a good will gesture. They are paid without any regard to the insured’s liability. It is usually $5,000.
Example: A customer is at your office and a car crashes into the waiting room. The client is injured. Your general liability insurance for Window Cleaners may pay out $5,000 as a good will gesture.
What’s Not Covered by Window Cleaning Insurance?
Although window cleaning insurance provides comprehensive coverage, there are certain limits to what is protected. Here are some situations not typically covered:
- Pre-Existing Damage: Insurance doesn’t cover damages to property or windows that existed before the work begins.
- Intentional Damage: Damage caused deliberately by employees or third parties will not be covered under this policy.
- Personal Tools: Cleaning tools and equipment owned by workers may need separate insurance for protection against theft or damage.
- Routine Wear and Tear: Standard wear and tear on tools and materials is not covered unless explicitly included in the policy.
Why General Liability Insurance is Essential for Window Cleaners?
General liability insurance is crucial in protecting your business from the unexpected costs of property damage or injury claims. It covers legal expenses and compensation, ensuring that your company remains financially stable in case of any accidents or incidents on the job.
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Frequently Asked Questions
What Isn’t Covered by Window Cleaning Insurance?
No, pre-existing damage is not included in the coverage.
No, damages caused deliberately by anyone are excluded from the policy.
Generally, no. Personal tools and equipment may require separate coverage.
No, routine wear and tear is not typically covered unless specified in the policy.
No, this policy doesn’t cover financial losses caused by weather-related delays in the cleaning schedule.
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