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Window cleaning business insurance

The simplest way to get window cleaning business insurance is to take out a Business Owner’s Policy (BOP). Within it you get two main insurance policies. General liability insurance and Commercial property insurance.
You can also include Business income insurance at a more favorable price.

It includes cover for business interruption caused by a claim, which is ideal for small and medium-sized business owners.

The Business owners policy includes customer injuries, customer claims related to your products, damage to movable and immovable property.

Next, what you need to insure that if your services cause damage during cleaning, that you damage something to someone, then it would be wise to have Professional liability insurance. 

This has you covered with most needs.

 

Business owners policy coverage

A Business Owners Policy (BOP) is a comprehensive insurance package designed for small to medium-sized businesses. It combines several essential coverages into one policy, offering convenience and potential cost savings compared to purchasing each coverage separately. Here are the primary coverages typically included in a BOP:

  1. Property Insurance:

    • Property insurance in a BOP provides coverage for your business’s physical assets, including buildings, equipment, inventory, and furniture.
    • It protects against damage or loss due to covered perils such as fire, theft, vandalism, and certain natural disasters.
  2. General Liability Insurance:

    • General liability insurance covers third-party bodily injury, property damage, and personal injury claims.
    • It provides protection if someone is injured on your business premises or if your products or services cause harm to others.
  3. Business Interruption Insurance:

    • Business interruption insurance, also known as business income insurance, helps cover the loss of income and ongoing expenses when your business is temporarily unable to operate due to a covered event (e.g., fire or natural disaster).
    • It can assist in paying bills, salaries, and other financial obligations during the downtime.
  4. Liability Insurance (Optional):

    • Some BOPs allow you to add additional liability coverages, such as professional liability (errors and omissions insurance) or cyber liability insurance, depending on your business’s needs.
  5. Crime Insurance:

    • Crime insurance protects your business from losses resulting from theft, embezzlement, forgery, or other criminal acts by employees or outsiders.
  6. Equipment Breakdown Insurance:

    • Equipment breakdown insurance covers the cost of repairing or replacing essential business equipment, such as HVAC systems, refrigeration units, or production machinery, that has suffered a sudden breakdown.
  7. Commercial Auto Insurance (Optional):

    • If your business uses vehicles for operations, you can often add commercial auto insurance to your BOP to cover auto-related liabilities and damages.

It’s important to note that a BOP is typically designed for specific types of businesses and may not be suitable for all industries. The coverage limits and options can vary, so it’s essential to work closely with an insurance agent or broker to customize your BOP to meet your business’s specific needs.

The cost of a BOP depends on various factors, including your business’s size, location, industry, coverage limits, and the specific risks it faces. On average, BOPs can range from a few hundred to a few thousand dollars annually. 

What else do I need?

You must take out additional insurance in case you have vehicles owned by the company or your employees.

In that case, you also need Commercial auto insurance – Does the company own vehicles or work machines? Then you should get commercial car insurance. To insure your people and company on the road with a policy.

And Workers’ compensation insurance – Does your company have employees? Then you need workers compensation insurance In order to be covered in case the worker gets injured or sick at the workplace. This insurance is required by most states because you must cover all work-related injuries and medical expenses

Bonding insurance for window cleaning business

Business service bond are a type of insurance for businesses that operate on someone else’s property. Whether it is business or private property. With a business service bond, you protect your clients from possible theft or fraud that could be committed by your employees.

You provide clients with security against theft, this type of insurance gives you credibility. Certainly anyone who needs services will be more likely to hire a company that has a Business Service Bond. More about Business Service Bond read here.

Window cleaning business insurance​ cost

approximate cost ranges:

  1. General Liability Insurance:

    • Cost: General liability insurance typically ranges from $400 to $1,500 annually for small to medium-sized window cleaning businesses.
    • Coverage: General liability insurance covers third-party bodily injury, property damage, and personal injury claims that may arise during your operations.
  2. Commercial Auto Insurance:

    • Cost: The cost of commercial auto insurance for window cleaning vehicles can vary widely based on the number of vehicles and drivers. Annual premiums can range from $1,000 to $3,000 or more per vehicle.
    • Coverage: Commercial auto insurance provides coverage for accidents, injuries, and vehicle damage related to your business operations.
  3. Inland Marine Insurance:

    • Cost: Inland marine insurance for your cleaning equipment and tools can cost around $300 to $800 annually, depending on the value of your equipment.
    • Coverage: This insurance protects your equipment from damage or loss while in transit or on a job site.
  4. Workers’ Compensation Insurance:

    • Cost: The cost of workers’ compensation insurance varies by state regulations and the number of employees. On average, it can range from $500 to $2,000 per employee per year.
    • Coverage: Workers’ compensation provides benefits to employees who are injured or become ill due to work-related activities.
  5. Bond Insurance (Optional):

    • Cost: If you choose to obtain bond insurance, it typically costs between $100 and $300 per year.
    • Coverage: Bond insurance can provide financial protection in case of theft or other fraudulent activities by your employees while on a client’s property.

These cost ranges are approximate and can vary based on your specific business circumstances, location, and insurance company.

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