FAQ_category: (HIDDEN) Industry FAQs

Yes, with the right policies: 

• Workers’ Compensation covers employee injuries such as ladder falls or slips on wet surfaces. 

• General Liability covers third-party claims if a passerby is injured or if client property is damaged. 

• Equipment Coverage protects expensive tools and gear against theft or damage, whether in transit or on site. 

OSHA recognizes fall hazards as one of the most serious risks for window cleaners, making these coverages essential. 

On average, window cleaning business owners pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Window cleaning often involves ladders, lifts, and working around client property. The most important coverages include: 

• General Liability – Protects against property damage, such as broken windows, or injuries to third parties. 

• Workers’ Compensation – Required in most states if you have employees; covers workplace injuries like ladder falls or slips. 

• Commercial Auto Insurance – Covers vehicles used to transport ladders, scaffolding, and equipment. 

• Equipment Coverage – Protects your tools and gear from theft or damage while on the job or in transit. 

• Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with income protection. 

Absolutely! Even if liability insurance is not mandated by state law, most commercial clients and municipalities require proof of coverage before awarding contracts. This is especially true for jobs on public property or large-scale projects. 

• Licensing: Some jurisdictions require general liability or workers’ comp as part of a contractor license. 

• Contracts: Property managers, HOAs, and government agencies often require certificates of insurance before hiring. 

• Professionalism: Carrying insurance demonstrates responsibility and builds client trust. 

Having coverage is not just protection. It is often the difference between landing high-value contracts and losing business opportunities. 

Yes! With the right policies: 

• General Liability covers client property damage or third-party injuries (like slips on wet surfaces). 

• Workers’ Compensation covers employee injuries, which are common when handling high-pressure hoses or chemicals. 

• Equipment Coverage protects your washers, tanks, and sprayers from theft or accidental damage. 

• Commercial Auto extends protection if an accident occurs while transporting gear. 

Because pressure washers operate in high-risk environments, insurance makes sure a single accident doesn’t shut down the business.