How much is window cleaning insurance?

Window cleaning businesses typically spend about $60 per month, or $719 annually, on general liability insurance.

This type of insurance provides protection if a customer or passerby suffers a bodily injury—for example, by slipping on a wet floor or a cleaning bucket falling on their head—or if a cleaner accidentally causes property damage, such as breaking a window in a client's home. It also offers coverage for advertising injuries like slander, libel, or copyright infringement.

Here’s the average general liability policy purchased by window washing companies through TechInsurance:

Premium: $60 per month
Policy limits: $1 million per occurrence and $2 million aggregate

Many cleaning businesses can add on professional liability insurance to their general liability policy. Also known as errors and omissions (E&O) insurance, this policy safeguards your business from client lawsuits claiming the work was unsatisfactory, negligent, late, or never completed. On average, TechInsurance customers pay $61 per month or $735 annually for this coverage.

For smaller cleaning companies with relatively low risk, our agents often suggest a business owner’s policy (BOP). A BOP combines general liability insurance with commercial property coverage at a reduced rate, helping protect your workspace and cleaning equipment (like squeegees).

The price of general liability coverage can vary depending on several factors, including your policy limits, the size of your operation, customer foot traffic, and whether you use subcontractors or need to list additional insureds.

Cleaning companies, including window cleaners, spend an average of $136 per month, or $1,627 per year, on workers’ compensation insurance.

Workers’ comp helps cover medical bills and lost wages if you or an employee gets hurt or sick while on the job. For example, a cleaner might slip on a wet surface and suffer a broken bone.

In most states, this type of business insurance is required if you have employees. Even if you’re a sole proprietor or independent contractor, it’s a smart investment—health insurance providers often exclude claims for job-related injuries or illnesses.

A standard workers’ compensation policy usually includes employer’s liability insurance, which offers additional protection from legal costs and financial loss if an injured worker files a lawsuit.

The price you’ll pay for workers’ comp depends on several factors, such as the state you work in, the number of employees you have, and the risks associated with your work.

For window cleaning companies, a janitorial bond averages $11 per month, or $126 per year. In many cases, you’ll need this bond in place before you can secure a client contract.

A janitorial bond is a type of surety bond, also known as a fidelity bond or employee dishonesty bond.

For example, if a window washer steals from a clients home or business, the bond reimburses your client for the loss. Unlike traditional insurance, you’re responsible for paying the bonding company back.

Carrying a bond shows potential customers that your business is trustworthy. In fact, some clients will only work with cleaning companies that are both bonded and insured.

The price of a janitorial bond is based on the bond amount you choose, since you’ll pay a percentage of the total coverage.

Window cleaning businesses spend an average of $173 per month, or $2,075 annually, on commercial auto insurance.

This insurance covers repair costs, medical expenses, and legal fees if a business vehicle is involved in an accident. It can also provide protection against theft, vandalism, and certain types of weather damage.

In most states, businesses are required to carry a commercial auto policy for any vehicles they own. If your window cleaning staff uses personal, rented, or leased vehicles for work, you’ll need hired and non-owned auto insurance (HNOA) instead.

The price of commercial auto coverage varies based on factors such as your policy limits, claims history, the value of your vehicles, and the driving records of employees who operate them.

Smaller, lower-risk window cleaning businesses are often eligible for a business owner’s policy (BOP). On average, cleaning businesses like window cleaners pay $76 per month, or $907 annually, for this coverage.

A business owner's policy is a smart choice for cleaning companies that operate from a building or office, as it combines general liability insurance with commercial property insurance at a reduced rate. This protects your business from both third-party lawsuits and damage to your workspace or equipment.

If your window cleaning company doesn’t maintain a physical location, you can still get protection by adding business personal property (BPP) coverage to a general liability policy, or by choosing tools and equipment insurance for supplies and tools that travel with you to job sites.

Here’s the average business owner’s policy purchased by cleaning businesses through TechInsurance:

Premium: $76 per month
Policy limits: $1 million per occurrence and $2 million aggregate

Many window cleaning businesses also add tools and equipment insurance to their BOP. pay for repair or replacement of a contractor’s tools and equipment if they are lost, stolen, or damaged. The items typically must be less than five years old. As a standalone policy, tools and equipment coverage costs $14 per month on average.

The price of a BOP is influenced by the value of your building and business property, as well as the same factors that affect your general liability insurance premium, like the size and type of your business.

For window cleaning companies and other cleaning businesses, commercial umbrella insurance averages $67 per month, or $801 annually. This type of insurance coverage is often used to meet client contract requirements for higher liability limits.

Umbrella coverage extends the protection of your general liability, commercial auto, and employer’s liability policies in $1 million layers. If a claim goes beyond the limits of one of these underlying policies, the umbrella policy provides the additional coverage.

The price of umbrella insurance depends on your business risks and the amount of coverage you choose. Keep in mind, you’ll need to carry a minimum level of underlying insurance before you can purchase an umbrella policy.