These days, contractors seem to be building new developments faster than ever, and it’s a definite plus for window cleaning businesses. At first glance, cleaning windows seems to be harmless work and gives the impression that nothing could go wrong while on the job. You might think that because you’re a seasoned professional or have a few years of experience, you don’t need window cleaning insurance coverage. However, not having insurance could mean paying hundreds to thousands of dollars out of your own pocket and might even cost your business. Window cleaning insurance can provide valuable protection to your business and be an essential asset to your business plan.
Common Risks You May Face And How Window Cleaning Insurance Can Help
1. A Client Is Injured Due To Your Business Operation
One common bodily injury claim in the industry is a slip-and-fall incident. Many people don’t realize how expensive slip-and-fall accidents can be and oftentimes aren't equipped to handle the expensive bill. The Centers for Disease Control and Prevention reports that the average slip-and-fall can cost between $30,000 and $40,000 in medical bills.†
2. You Damage Your Client’s Property
There’s always the risk that you accidentally damage your client’s property and you need to be prepared with coverage. For an additional premium, property damage coverage can help by paying for the damage (depending on the covered claim) and could help you maintain a positive relationship with your client. In some cases, paying for the damaged property could be enough to satisfy your client and keep them from taking legal action.
3. Increase Your Credibility
Window cleaning insurance not only protects your business; it can also boost your credibility with current clients and be a great asset to pitch to potential clients. Many business owners have come to realize the importance of insuring their businesses and how much clients appreciate it.
In some instances, your clients or other third-parties might require you have insurance coverage before you can work on their property. The best thing you can do to move your business relationship in a positive direction is to get insured and have peace of mind.
4. Your Equipment Is Stolen
While running your business, you have accrued a great deal of equipment and have paid a lot of money for it. In the window cleaning business, you never know where the next job will take you and you always need to be ready to transport your gear. More importantly, you need to protect your investment and be prepared with coverage if something does go wrong.
For an additional cost, inland marine coverage can be useful since it’s designed to cover materials being transported over land or being stored in an off-site location. Your items can run the risk of theft, fire, and environmental damage and inland marine coverage may respond to these circumstances.
5. You Face A Legal Battle
With 36%-53% of small businesses having been involved in at least one litigation, it is essential to add business insurance to your risk management strategy and protect your livelihood.
Here are some litigation costs you could be required to pay out of pocket:
- Court filing and processing fees
- Litigation expenses
- Damages to the plaintiff
- Hiring experts in the industry
- If out of state, travel expenses for yourself and legal team
If you face a legal battle, you could be required to pay hundreds to thousands of dollars to defend yourself and, not to mention, a whole deal of financial stress. Ease the potential woe by adding window cleaning insurance to your business plan. Our coverage price starts at just $299 a year with a policy limit of $2,000,000. Window cleaning insurance can protect you in the event that you have legal costs stemming from a claim against your business.
Get Insured Today!
You spend your days ensuring your clients are happy with your cleaning services, and as a business owner, you need to do everything you can to help protect your operation. Keep in mind that people will deal with accidents on any given day and the last thing you want to do is leave your business unprotected. Unlike other insurance companies, we pride ourselves in allowing our customers to customize their Window cleaning insurance policy and in offering an insurance coverage process completely online.
What are you waiting for? Join the thousands of business owners that have insured their businesses with us.
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†10 Facts & Statistics About Slip & Fall Accidents: https://www.askadamskutner.com/slip-and-fall/10-facts-statistics-slip-fall-accidents/