Window Cleaning Insurance

Window Cleaning Insurance

Contractors Insurance is a leading Canadian commercial insurance brokerage dedicated to providing comprehensive and affordable coverage solutions for contractors, business owners, and other professionals.

Window cleaners perform a valuable service, keeping building exteriors sparkling and allowing natural light to flood interiors. However, the profession also carries inherent risks, as window cleaners often work at significant heights and with specialized equipment. 

To ensure the safety of your employees, protect your business assets, and maintain client trust, you need robust window cleaning insurance.

What is Window Cleaning Insurance?

Window cleaning insurance is a specialized type of commercial property insurance designed to address the unique risks faced by window cleaning businesses. It typically includes a combination of coverages, tailored to protect your company from financial losses due to accidents, injuries, property damage, and other liabilities that may arise during your operations.

By partnering with a reputable insurance brokerage like Contractors Insurance, you can access customized insurance solutions that address your specific needs and provide peace of mind. Here’s a breakdown of some key coverages typically included in a window cleaning public liability insurance policy.

General Liability Insurance 

This fundamental coverage protects your window cleaning company from third-party injury and property damage claims. General liability insurance covers medical bills for third-party injuries, legal fees if sued for bodily injury or property damage, and settlements for third-party claims. It also reimburses costs to repair or replace property damage.

Workers’ Compensation Insurance 

This mandatory insurance protects your employees in case of work-related accidents or injuries. It covers medical bills for work-related injuries (hospital stays, surgery, rehab) and a portion of lost wages for employees injured on the job. It can also cover rehabilitation costs to help employees return to work quickly.

Commercial Auto Insurance 

If your business uses vehicles for transportation, equipment hauling, or travelling between job sites, commercial auto insurance is crucial. It covers repairs or replacement of company vehicles damaged in accidents and protects against third-party injury and property damage caused by employee drivers. Including this in your window cleaning liability insurance bundle would also cover theft or vandalism of company vehicles.

Tools and Equipment Insurance 

This coverage protects your tools and equipment in case of theft, damage, or malfunctions, ensuring minimal downtime and financial losses. It typically covers equipment theft from work vehicles, storage facilities, or job sites and provides financial compensation for lost or missing equipment. It also reimburses repairs or replacements for damaged equipment due to accidents, weather, vandalism, power surges, etc.

Who Can Benefit From Window Cleaning Insurance? 

Window cleaner insurance is essential for all businesses in the window cleaning industry, regardless of size or specialization. This includes independent window-cleaning contractors working individually, high-rise window-cleaning specialists facing unique risks associated with working at tall buildings, and residential and commercial window-cleaning companies. 

Regardless of the type of building the business services, window cleaning insurance safeguards the company from potential liabilities.

Why You Need Window Cleaning Insurance 

The window cleaning industry may appear straightforward but can be surprisingly hazardous. Window cleaners routinely work at heights, often on ladders or scaffolding. This exposes them to a significant risk of falls, which can lead to serious injuries or even death. 

Additionally, window cleaners use specialized tools and equipment that can malfunction and cause injuries. They also encounter various potential hazards at each job site, such as uneven surfaces, electrical wires, and inclement weather conditions.

Window cleaning business insurance in Ontario is not a regulatory requirement. However, it’s a prudent investment for mitigating the inherent risks associated with the profession.

Window Cleaning Insurance Claims Examples

Leading Provider of Window Cleaning Insurance in Ontario 

At Contractors Insurance, we understand the specific needs of window cleaning businesses. We offer comprehensive and customizable insurance solutions to ensure your company is protected. Here’s why you should choose us.

Personalized Insurance Plans 

We take time to get to know your business, its specific needs, and the risks you face. We then tailor an insurance plan that provides the right balance of coverage and affordability.

Transparent Coverage 

To ensure our clients understand their policies, we explain your policy in clear, concise language, outlining coverage details, limitations, and claims processes.

Dedicated Insurance Brokers 

Our team of experienced insurance brokers understands the window cleaning industry. They can provide expert advice on risk mitigation strategies and help you choose the right coverage options for your business. 

Streamlined Claims Process 

If you need to file a claim, our team will guide you through the process every step of the way. We’ll ensure your claim is settled promptly and fairly.

Frequently Asked Questions About Window Cleaning Insurance

Ready to Get the Coverage You Need?

Don’t wait until an accident happens to secure proper window cleaner insurance coverage. Contractors Insurance is a leading Canadian insurance brokerage specializing in comprehensive insurance solutions for contractors, tradespeople, and other professionals.

Our team of experts is here to help you find the right coverage to protect your business and give you peace of mind. Contact Contractors Insurance today for a consultation and free quote on a customized window cleaning insurance policy.