Window Cleaning Business Insurance in San Diego & California
Protect Your Business by Purchasing Expertly Crafted Window Washing Coverage
Herriott & Mijailovic is a respectable insurance agency from San Diego that offers reliable, low-priced house insurance coverage. This type of insurance coverage protects your home and other structures on the property against a number of various risks, such as damages caused by weather, theft, vandalism, accidental water damage, and similar losses. House insurance typically includes personal property coverage and liability coverage but can be upgraded with supplemental coverages, such as renters insurance, condo insurance, mobile home insurance, and so on. With the right type of coverage that fits your needs, you will have peace of mind knowing that your property is protected even if disasters happen.
(619) 296-0005
We offer essential coverages for window washing firms, such as general liability insurance, workers compensation, business interruption insurance, commercial auto insurance, and numerous other endorsements for maximum safety. Window cleaner insurance protects your business from specific claims (third-party bodily injury, third party property damage), covers medical and legal costs, and helps pay for the repair or replacement of damaged tools and equipment. Most importantly, clients will feel better knowing you are insured, which will ultimately give you more business.
H&M is a small, family-owned company with over 50 years of experience in California market. Today, we are an all-round agency that has served thousands of businesses and individuals in the area. We work and collaborate with nationwide recognized insurance firms such as First Comp, Safeco, Nationwide, Markel, and many others. This give us an opportunity to shop around and give you the best possible price and the best possible coverage for your specific business purposes. At Herriott & Mijailovic, we encourage our clients to keep moving forward. Don’t wait! Get a quick, FREE quote now!
Why Do Window Cleaning Companies Choose H&M Insurance?
At H&M agency we fully comprehend all the challenges you face when you run your own business. Whether you just opened your business or are planning to expand, our small business insurance policy solutions will take the worry out of your business ownership experience. By having less risks and less stress you will be able to reach new professional heights and success.
Here’s why you should obtain your window cleaning insurance from us:
- Independent, boutique-style agency
- We specialize in small business insurance
- High customer service standards
- Easily accessible agents with quick response time
- Affordable prices & flexible payment options
- We focus on San Diego & California insurance market
- Offering major carriers like Safeco, Travelers, Hartford, Nationwide, etc.
Insurance Options For Window Cleaning Businesses
Protecting your cleaning business with the right insurance policy is not only wise, but also necessary if you want to succeed in your business. Since business insurance may seem complex, it is best to speak to one of our insurance agents who will recommend the perfect coverage combination for you.
We offer the following types of coverage that are essential in safeguarding window cleaning companies:
Window cleaning liability insurance
General liability insurance, also known as commercial general liability (CGL), is one of the most important options as it covers the risks window cleaners face every day. It offers financial protection for the most common accidents that can happen while you do your job. This type of insurance helps pay for the costs of bodily injury and property damage claims. In this business, a third-party is usually a client or a vendor. Although not mandatory in California, knowing you are protected against financial losses will give you much needed peace of mind.
General liability insurance covers:
- Third party bodily injury
- Third-party property repair
- Personal and advertising injury
- Medical & legal bills
Workers compensation insurance
Worker’s compensation is the oldest type of insurance, which enables employees to receive medical treatment for the injuries suffered on the job, regardless of who is at fault. In turn, they are not allowed to sue the employer. For this reason, every business owner in California is required by law to obtain Workers compensation coverage, whether you have part-time or full-time employees. Both you and your workers will benefit from having this insurance. The workers will receive medical benefits, and you will not have to pay for the high medical bills.
Worker’s compensation typically covers:
- Basic or temporary benefits
- Medical treatment bills & rehabilitation costs
- Permanent disability benefits
- Return-to-work supplement
- Retraining employees
- Death benefits
Commercial property insurance
Commercial property insurance helps protect your owned or rented building, assets, and tools used to run your business. In other words, it covers the property and its contents. It will aid you in paying for the repairs or replacement of assets in case of accidents.
Commercial property insurance covers:
- Furniture, fixtures, inventory
- Tools & equipment
- Frozen or burst pipes
Commercial auto insurance
If you own a window washing business you most likely use a vehicle to travel to and from work sites. Since insurance policies for personal vehicles don’t have coverage for business use, you should also obtain commercial car insurance. It provides liability coverage and helps pay for the legal fees if you cause an accident. Optionally, you can purchase add-on such as roadside assistance, auto loan or lease coverage, physical damage coverage, medical payments, or rental car reimbursement.
Commercial auto insurance typically includes:
- Collision insurance
- Liability insurance
- Comprehensive insurance
- Uninsured motorist coverage
- Underinsured motorist coverage
Contractor’s tools & equipment insurance
Contractor’s tools & equipment insurance is also known as ‘equipment floater’. This policy serves to protect small cleaning tools and equipment while being transported from or to job sites. For instance, you are driving to a work site and get into a car accident which causes damage to your window cleaning tools and supplies. In this case, your tools & equipment coverage will help pay for the replacement or repair of those items.
Business tools insurance covers:
- Replacement or repair of damaged tools & equipment
- Stolen equipment
- Vandalism
- Leased, leaned, or rented gear
- Employee tools & clothing
Business income insurance
Business income insurance, or business interruption insurance (BIC), helps replace lost income if you are unable to operate or generate revenue due to a covered loss, like property damage. This policy is designed to help you easily overcome hardships caused by natural disasters (fire, hail, winds).
Types of business interruption coverages:
- Lost income, lost revenue, lost payroll, taxes, etc.
- Equipment rental, overtime work costs, temporary transportation
- Loan premiums
- Rent, lease, mortgage payments
Professional liability insurance
Professional liability, also known as Errors & omissions (E&O) insurance protects trade contractors from claims that your employees made errors or mistakes while providing professional services by causing damages due to faulty workmanship, limited services, or defective tools and materials use.
E&O insurance generally covers the following:
- Negligence
- Errors, mistakes, and omissions
- Defense costs
- Settlements and judgements
Remember: You can save money when you bundle two or more policies together.
Things To Consider Before Purchasing Insurance for Windows Cleaning Business
Every window washing company has different insurance requirements. This is why you should consider several important things before buying the policy and deciding how much coverage is right for your needs. Here are several aspects to take into account when shopping for insurance:
- The risks you face – The amount of risk you face depends on factors like the number of employees and liability you face determine the amount of risks you face.
- Available coverages – Think of purchasing all the add-ons or endorsements that will make sense for your business. For example, if you are a one-man company and have no employees, you do not need to purchase Worker’s compensation insurance.
- Coverage amount – It is essential to buy enough coverage for the unique risks you are facing, or you could be paying portions of claims yourself.
- Choose an acceptable deductible – Select an amount you can afford in the case of a covered loss. This is because you are obligated to pay for the deductible before your insurance plan starts to pay.
- Get a quote – Before purchasing a policy, obtain several quotes and compare rates.
- Talk to a professional – It is always a good idea to talk to an insurance agent since they will be able to answer all your questions and help you decide how much coverage to get.
How Much Coverage Do I Need?
Insurance policies are custom tailored based on your business’ specific requirements. In order to determine the exact amount of coverage that will offer maximum protection, several important factors have to be considered:
- The size and scope of your practice
- The location you serve
- Annual revenue and payrolls
In order to calculate how much coverage is sufficient for your window cleaning business and which policy closely matches your needs, it is best to reach out to our insurance agency, and we will analyze all the vital factors, as well as your wishes, needs, and requests to come up with the most suitable protection plan.
How Much Does Window Cleaning Insurance Cost?
When we talk about average monthly premiums for the window cleaning company, there are certain factors that determine the final price. The cost is directly related to the nature of your work. For instance, if you are mostly contracted to work on high-rise buildings and risky locations, your premiums will most likely be higher. However, with the right insurance agent, you will find the most affordable prices for the policy you need.
Major aspects that influence the price of window cleaning insurance are:
- Business size and type
- Areas you serve (location)
- Selected coverage
- The risks you face
- Annual revenue
- Lawsuit and claims history
- Company age
Frequently Asked Questions
Typically, you are entitled to deduct window washer insurance premium when filing income taxes. It is recommended to speak to your accountant if you have questions about your unique circumstances.
This type of coverage is not mandatory in the state of California. However, if you have employees, you must obtain Workers compensation insurance, which is required by law.
If you are a policy holder, you can initiate the claims process by contacting our office directly. After consulting with our agents, you will be able to submit a claim. The whole procedure is quick and streamlined, for your increased convenience.