Finding insurance for your California window cleaning company can be a hassle. Take it from someone that knows, I used to be a window cleaner in Orange County California. There are several types of insurance you’re going to need if you want to run a successful and proper window cleaning company. The following insurance types below will cover a very wide range of risks and different exposures your window cleaning business may come across.
General Liability – When starting your own window cleaning business general liability insurance is usually the first type of insurance you’re going to get. General liability covers bodily injury, property damage, personal injury, advertising injury, and many other type of liabilities that come up when you operate a window cleaning business. From my own experience I know that most commercial properties required that the company in question have at least 2 million in general liability. Imagine you’re on a job and the wind blows over your ladder, knocking it into the windshield of a Mercedes-Benz. Your insurance will cover this claim and legal costs that come with it.
Commercial Auto – Operating your own window cleaning business requires that you drive to your clients home or place of business day after day with the company vehicle. Your company vehicle should be covered under a commercial auto insurance policy. Coverage for commercial auto policies vary from company to company, for the most part they cover fire, vandalism, theft, and damage caused by unforeseen occurrences including damage done to your vehicle or someone’s property.
Worker’s Compensation – If you’re at that point to where you have or need the help of employees then you’re going to need Worker’s Compensation. The coverage that comes with this type of insurance protects both your business and employees. If one of your employees gets injured on the job his or her injuries and lost income would be covered by Worker’s Compensation.
Let’s face it, window cleaning companies that are serious about making money and attracting large commercial accounts absolutely need these types of insurance. Although most homeowners don’t ask for proof of insurance it’s always nice to be prepared. All it takes is one slip and your life could change forever.
Have any questions? Feel free to call us or send an email at your earliest convenience.