Whether you're a one-person operation or have a team of window cleaners, it is important to have business insurance. That being said, insurance for window cleaners can have a few quirks. Here's what you need to know.
1. Not all policies are created equal.
When it comes to business insurance, there is no one-size-fits-all solution, especially for window cleaners. The type and amount of coverage you need will depend on factors such as the size of your business, the services you offer, and the risks associated with your industry.
For example, as a window cleaner, you know there is a big difference between residential window cleaning, route work, and high-rise jobs. Unless you speak up, most insurance agents will automatically assume you are hanging off the side of a building and put you in the high-rise category. If you work from the ground, however, you should have insurance rated under the janitorial category, which is a big difference in monthly premiums. Be sure to work with an experienced insurance agent to find a policy that meets your specific needs.
2. You may need more than one policy.
Depending on the nature of your business, you may need more than one type of insurance. For example, if you offer power washing as an add-on service, which is common in the window cleaning industry, you may need a separate rider to cover that type of work. Additionally, be sure to structure your customer billing and accounting so that you can easily separate out those sales. Most business insurance companies will base the cost of a power washing rider on the sales for that portion of your business.
3. Insurance doesn't cover everything.
It's important to remember that business insurance does not cover everything. There are certain risks that simply can't be covered by insurance, such as natural disasters, acts of war, or your telescoping pole flying out of the bed of your truck on the freeway (again). Before buying a policy, be sure you understand what is covered and what is not so you can make an informed decision about whether or not it's the right business insurance policy for your business.
Business insurance is an important tool for protecting your window cleaning company from financial losses due to accidents, lawsuits, and other unforeseen events. If you have any questions about business insurance, speak with an agent who can help you find the right policy for your needs.
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