There is a great demand for window cleaners, as both residential and commercial customers require these services. To start a window cleaning business, it is important to have insurance coverage to protect yourself and your customers.
Window cleaners are at risk of personal injury from falls, ladder accidents, and other mishaps. Having insurance is critical to protect the business and the workers. A policy that covers all the risks associated with window cleaning is even more crucial.
It is important to have coverage because it protects yourself and your clients. Many corporate clients will require proof of coverage to enter into a contract with your window cleaning business. This coverage protects both parties if property damage or personal injury occurs while you provide services.
Here’s the coverage you should have in your window washing insurance:
- General Liability Insurance
Every business should have a general liability policy to cover any property damage, personal injury, or other liabilities that could occur. Suppose an employee breaks an expensive window or drops equipment onto a pedestrian and causes them injury.
In that case, general liability coverage will help protect the business against financial loss and cover the costs of the injured party’s medical bills. This coverage should also include the legal costs of defending against a lawsuit.
- Workers’ Compensation
If an employee is injured while working for your window cleaning business, you may be responsible for the consequences medically and legally. Workers comp insurance will cover the employee’s medical care and lost income.
- Commercial Auto Insurance
Commercial auto insurance is a type of insurance that covers damage and injuries that occur during vehicular accidents. This insurance also covers theft, vandalism, fire, or other damage that may occur to the vehicle. This type of insurance is important for businesses that own vehicles because it can help cover the costs of repairs or medical bills if an accident occurs.
- Inland Marine Insurance
Inland marine insurance is a type of insurance that covers products, materials, and equipment when transported over land or when temporarily stored. This type of insurance differs from marine insurance, which covers losses when transporting items across the water.
Inland marine insurance is a type of insurance that helps protect your business from damage or theft of equipment and vehicles. The cost of this type of insurance will vary based on the size and scope of the business, what kind of equipment and vehicles it uses, how much coverage you need, and other factors.
If you are starting an independent window washing business, you should consult a local insurance agent to get the best coverage for your business.
Conclusion
You can get a few different types of policies; all will depend on the size of your business. Having the appropriate insurance coverage for your window washing business is important. This will protect you and your business in the event of an accident, theft, loss, damage, etc.
The most important thing is to ensure that you are covered for the risks that are most likely to occur. You should also ensure you are not paying for coverage you do not need.
Pascal Burke Insurance Brokerage Inc. are specialists in an array of policies that cover not only general cases but also specialty contractors. You won’t have to worry about breaking the bank with our great rates! If you want to get window washing insurance, we’ve got you covered! Get in touch with us today!