The Hartford doesn’t offer window cleaning insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
Why Might You Need Window Cleaning Business Insurance?
Insurance for window cleaners, also called window cleaning insurance, is a collection of business insurance coverages that can help protect your business from unexpected claims or lawsuits. It’s designed to help protect you and your employees from the unique risks that come with the job, from climbing ladders and operating lifts to servicing commercial buildings and transporting equipment.
Keep in mind that business insurance needs can vary depending on the job type, work height, equipment used and your business structure. For example, cleaning windows on commercial buildings may involve different risks than working on residential properties. Understanding these differences can help you choose the right mix of coverages, including the types of business insurance that make the most sense for your business.
Who Might Need Window Cleaning Insurance?
Window cleaning insurance may be helpful for a wide range of professionals, from solo operators to growing teams. Business insurance needs can vary based on the scope of services you offer, equipment used and the type of work you do.
Window cleaning insurance may help protect these professionals:
- Independent window cleaners
- Self-employed window washers
- Small window cleaning companies
- Commercial window cleaning services
What’s the Best Type of Insurance for a Window Cleaning Business?
Many window cleaning businesses start with a Business Owner’s Policy (BOP) as the foundation of their insurance plan.
Insurance for window cleaners often includes a combination of coverages designed to address different risks associated with this type of work. A BOP typically bundles three key coverages to help cover common issues like property damage, customer injuries or unexpected interruptions. Depending on your business operations, you may need additional types of coverage.
A BOP includes:
General liability insurance to help protect your business from claims that it caused bodily injury or property damage to others.
Commercial property insurance to help protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to operate your window cleaning business. These can include:
- Hand tools and power tools
- Ladders and extension ladders
- Scaffolding and lift equipment
- Water-fed pole systems
- Squeegees, scrubbers and cleaning brushes
- Buckets, hoses and filtration systems
- Toolboxes and mobile storage units
- Safety equipment and supplies, such as harnesses and fall protection gear
- Vehicles used to transport equipment and supplies
- Cleaning solutions and job-related materials
Business income insurance to help replace lost income if you can’t operate temporarily because of damaged property caused by fire, theft or wind.
It’s important to remember that a BOP won’t cover every type of claim you might face. You’ll need to get other types of insurance to create well-rounded protection, including:
How Much Does Window Washing Insurance Cost?
Although The Hartford doesn’t offer window cleaning business insurance, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- Business Owner’s Policy (BOP): $1,687 a year
- General Liability Insurance: $810 a year
- Workers’ Compensation Insurance: $1,032 a year
It’s important to remember that the cost of window cleaning insurance may be different than the average. That’s because every business owner has unique needs, and insurers can use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a free quote online through Tivly.
General Liability Insurance
“We were cleaning windows at a commercial building when a ladder shifted and cracked a customer’s storefront window.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else. It can help pay for medical expenses, repair costs or legal fees if a customer or pedestrian is injured, or if property is accidentally damaged.
Business Income Insurance
“A storm damaged our equipment storage area, and we had to cancel several jobs while repairs were made.”
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage. You can use this coverage to help pay ongoing operating expenses, such as bills and payroll.
Workers’ Compensation Insurance
“One of our crew members tripped over a ladder while setting up equipment and needed medical attention.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“A customer claimed that the streaks we left behind after a job caused permanent damage to their windows.”
Professional liability insurance can help if a client claims that you or your employee caused them financial loss due to an error, omission or unmet expectations. It can help cover legal defense costs and related expenses tied to these types of claims.
Commercial Property Insurance
“A fire damaged the space where we store our window cleaning tools and supplies, making them unusable.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Contractors Equipment Coverage
“Someone stole our ladders and water-fed pole system equipment, throwing off our schedule for the next day.”
Contractors equipment insurance is designed to cover damaged or missing contracting equipment. It can help pay to remove debris and clean up after an accident. It can also help cover losses from theft and the costs to expedite a project that is behind schedule due to a covered loss.
Window Cleaning Insurance You Can Depend On
See your price and understand what coverage options make sense for your window cleaning business. Get a quote from Tivly today.
Last Updated: May 27, 2026
2 Insurance Information Institute, "Facts + Statistics: Product Liability,” viewed April 2026.
3 Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023 to 2024,” viewed April 2026.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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