If you have chosen to start a window cleaners business, you have chosen a profession that can be both lucrative and in demand. There is always a need for window cleaners, both for residences and businesses. While there is a long list of benefits to this type of business, there are also risks to be aware of. The most common risk of a window cleaner business is the risk of personal injury. Many times, you are standing on ladders or scaffolds in order to reach high-up and hard-to-get-to windows, and you risk personal injury. Protect this and other risks with window cleaners insurance.
Types of Window Cleaners Insurance
There are several types of window cleaners’ insurance policies for your business, which will provide ample coverage for the risks associated with your profession. The following insurance policies cover a wide range of risk exposures for your window cleaning business:
When deciding on business insurance for window cleaners, general liability is often the first type of policy you will come across. That is because general liability is also one of the most comprehensive policies there is. It will cover bodily injury, property damage, personal injury, advertising injury, and other liabilities that can come up when you operate a window cleaning business. For example, if while cleaning the windows of a customer’s business, you accidentally damage their property, the customer can sue you for damages. The legal costs of this claim will be covered if you have general liability insurance.
Your window cleaning equipment is expensive and it should also be protected from damage or theft. In order to do this, you should get an Inland Marine insurance policy. Inland Marine gives you the option of protecting your goods and equipment during transport, while they are in storage, and while they are in your van or on the job site. As a service professional, your equipment is extremely important and should be given this extra coverage.
If you have an employee that gets hurt on the job, the medical and legal implications could be your responsibility unless they have worker’s compensation insurance. Worker’s comp is there for the protection of your employees as well as your business. That way if an employee gets injured from falling off a ladder while cleaning windows, his injuries and lost income is covered by worker’s compensation insurance.
As a window cleaning business, you are providing a service for your customers that requires driving to their home or place of business. Your company vehicle should therefore be covered by commercial auto insurance. Commercial auto insurance policies vary, but the majority of them will cover theft, vandalism, fire, and damage caused by accidents including personal injury and damage to the vehicle or nearby property. Having commercial auto insurance will save you from having to cover these type of costs on your own.
Now that you have put the time and money into your window cleaning business, it is important to protect your business assets with window cleaners insurance. With this type of business you have options, so you should think carefully about your expected risks when choosing the right types of business insurance.