Window Cleaning Insurance
Wipe away risks with affordable insurance for window cleaning mishaps, damage, and lost gear!
- Covers Scratched Glass or Frames – Stay protected from common damage claims
- Helps Win Bigger Contracts – Check the boxes for commercial compliance
- Covers Your Equipment – Optional protection for poles, buckets, and gear
4.7/5 on
A window cleaner allegedly causes $27,000 in damage after accidentally scratching a client’s windows.
Mistakes are costly.
Insurance isn’t.
Why Do Window Cleaners Need Insurance?
Window cleaning businesses operate in a high-risk environment where accidents can occur due to the nature of the work, which involves physical labor and handling potentially hazardous materials. Weather conditions, equipment malfunctions, and human error can add to these risks. Without sufficient insurance, these risks may result in significant financial losses and legal issues for your business.
If you accidentally splash a client’s furnishings with product
General liability coverage helps reimburse clients for property damage.
If a passerby trips over a discarded tool
General liability covers third-party medical expenses and legal costs.
If a crew member gets injured while cleaning a window
Workers compensation covers costs related to work-related injury or illness for your team.
If you drop a pricey water-fed pole, breaking it
Tools & equipment coverage helps replace or repair tools, limiting business interruptions.
How Much Does Window Cleaning Liability Insurance Cost?
Insurance for window cleaning businesses starts at $39 per month. Curious to know what impacts your premium? We break it down so you can choose the best coverage with confidence. Plus, you can save as much as 12% by paying annually!
“Signing up was easy. It’ll give any client the comfort of knowing that you have coverage.”
Plus, it’s a good, affordable coverage that covers what I need. I definitely recommend it to people—including my son and those in other industries. I tell them to call Insurance Canopy and get covered, because it’s not overly expensive. When other people in the cleaning industry say they’re not insured, I say, “Why? It’s literally $39 per month.”
– Nicole H., Owner of Nothing But Perfection
Protected by Insurance Canopy Since 2022
Recommended Coverage For Window Cleaning Businesses
Our insurance for window cleaners provides essential general liability coverage necessary for client contracts. We also suggest including additional coverage for employee injuries, dishonesty, and theft or loss of supplies. Available coverages include:
Included
General Liability Coverage
General liability insurance, also known as public liability insurance, protects window cleaners from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client or passerby is injured by falling equipment or cleaning solutions during window cleaning, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, this coverage does not extend to you or your employees; it only protects clients or the public if they are injured on your property or as a result of your employee’s actions. General Liability also includes Public Liability Insurance for your cleaning business.
Add-Ons
Tools and Equipment Coverage
Tools and equipment coverage — commonly referred to as inland marine — safeguards the essential equipment window cleaners use, such as cleaning appliances, solutions, and protective gear. This insurance provides compensation if your tools are damaged or stolen while on the job.
Janitorial Bonds
Bonds are crucial in the cleaning industry, safeguarding your business from financial losses caused by employee theft. Since your employees often work unsupervised in both residential and corporate environments, the risk of theft can lead to significant financial setbacks and damage trust. To ensure thorough protection against theft, combine general liability insurance with a bond.
At Insurance Canopy, you can purchase a bond for as low as $131 annually.
Additional Insureds
Including an additional insured protects another individual or entity under your policy. This is especially important for contractual obligations, as potential clients may ask to be covered by your policy. This ensures that both you and your clients are protected in the event that any incidents or claims occur during cleaning.
Cyber Liability Coverage
If your window cleaning business faces a cyberattack or data breach, cyber liability insurance covers recovery costs, such as legal bills, notification expenses, and credit monitoring for affected individuals.
Workers Compensation Coverage
Workers compensation for window cleaners includes coverage for medical expenses and lost wages if an employee is injured on the job. Whether it’s a slip on wet surfaces, a strained muscle from lifting heavy equipment, or even heat stroke from working in summer weather, workers comp helps cover medical bills and lost income.
In most states, carrying this coverage is legally required depending on your number of employees — but more than that, it gives your crew peace of mind, knowing you’ve got their backs when the unexpected happens.
Commercial Auto Coverage
Having commercial auto insurance is essential for a window cleaning business. Whether you’re transporting ladders, hauling water-fed pole systems, or moving your crew between job sites, accidents on the road can happen anytime.
Commercial auto insurance covers vehicle repairs, medical expenses, and liability claims — from small fender benders in tight parking lots to more serious accidents on busy roads. Most personal auto policies won’t cover business use, and in many states, commercial auto insurance is legally required to keep your business protected and moving forward.
Coverage Limits for Window Cleaning Insurance
Maximum Cleaning Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits / Occurrence / Aggregate
Premium
Deductible
$1,000/$3,000
$40
$250
$2,000/$6,000
$55
$5,000/$10,000
$60
Need Expert Support?
Monday to Friday, 8:00 am – 8:00 pm EST
¡se habla español!
Email: info@insurancecanopy.com
Phone: 844.520.6993
Why Window Cleaners Choose Insurance Canopy
When it comes to safeguarding your window cleaning business, there’s no room for compromise. That’s why window cleaners across the country choose Insurance Canopy for peace of mind and reliable protection.
Insurance You Can Rely On
Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏
Simplified Coverage
Comprehensive, personalized insurance for your business – only pay for what you need
Expert Support
Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!
135,000+ Small Businesses Trust Insurance Canopy
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Questions About Window Cleaning Insurance
What insurance is needed for window cleaning?
Window cleaning businesses need general liability insurance to cover property damage and injuries, workers compensation insurance if they have employees, and commercial auto insurance for their work vehicles. Additionally, tools & equipment insurance can protect tools and trailers, while cyber liability insurance protects against data breaches and cyberattacks.
Is my window cleaning insurance policy effective immediately?
Yes. Your window cleaning insurance policy becomes active immediately upon purchase. You’ll receive instant confirmation of your coverage and your Certificate of Insurance (COI) shortly after you complete the online application and payment. Remember to review your policy documents for any specific conditions or exclusions.
How do I renew or cancel my policy?
You can cancel your window cleaning liability insurance at any time through your online dashboard.
With Insurance Canopy, you can expect seamless renewals. Policies automatically renew at the end of their term to prevent coverage gaps. You will receive an email notification before the renewal, so there are no unexpected charges. If you wish to make changes to your policy, feel free to contact support.
How do I file a window cleaning business claim?
Filing a window cleaning business claim with Insurance Canopy is easy. Here’s what to do:
- Make a Report: If something happens, like theft or property damage, report it to the appropriate authorities. Gather important details such as dates, locations, and contact information for everyone involved.
- Gather Paperwork: Get all the necessary documents ready, like your insurance policy details, receipts for damaged or stolen items, and any incident reports.
- Submit a Claim Online: Log in to your user account, go to the “Manage Policies” section, and click on “File A Claim.” Fill in the required information and submit your claim. Most claims are processed within 24–48 hours.
If you have any questions or need help, our team is here for you. Just reach out!
What happens if I have a window cleaning business claim after I cancel my insurance?
If you file a window cleaning business claim after canceling your insurance, it won’t be covered unless your policy remains active for a certain period and the incident happened during that time. Insurance only offers protection while your policy is active, so continuous coverage ensures you’re always protected.
Clean with Confidence – We’ve Got the Coverage.
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