For a small window cleaning business, general liability typically runs $500 to $1,800 a year in 2026. Residential ground-floor work sits at the low end; commercial, ladder-and-lift, or high-rise work costs more. Add workers' comp once you hire and the total climbs, but the entry cost stays modest compared to most trades.
We run a cleaning company ourselves, so we know the questions owners actually ask. We're not selling insurance — here's the honest range, what each policy covers, what raises the number, and when you can keep coverage lean.
Covers a scratched pane, a broken window, water damage to a sill, or a passerby injured by dropped gear. The core policy and the one nearly every commercial client requires before they let you on site.
Covers your work van or truck. A personal auto policy usually won't cover an accident while you're working, so a business use vehicle needs this.
Mandatory in most states the moment you have employees. Because falls are the main risk, the class rate is higher than for indoor cleaning, especially if crews work above the second story.
Rope access and lift work above two stories often need a specific endorsement or a higher liability limit. Many basic policies exclude work over a set height, so confirm the cap matches the jobs you take.
You don't need a maximal policy to start. Keep it lean when:
Still, even solo, carry general liability — one cracked storefront pane can cost more than a year of premium, and the certificate wins you commercial accounts.
Coverage protects the job. Filling the schedule is the other half — and that's our part. We build window cleaning sites that turn searches into booked cleans, with AI lead capture that answers after-hours callers and a quote form that catches the residential and commercial leads you'd otherwise miss. Plans start at $249/month with a free demo in 48 hours, and you own the site.
See window cleaning website design, window cleaning SEO, window cleaning marketing, SEO for home services, or the related pressure washing insurance cost guide.
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Often $500 to $1,000 a year for general liability on residential, ground-level work. Adding height work or commercial accounts moves it up.
Almost always. Property managers want a certificate of insurance naming them as additional insured before you work. It's often the reason solo cleaners buy a policy in the first place.
Stay within your policy's height cap, keep a clean claims record, bundle auto and liability, and pay annually. Don't buy higher limits than your contracts actually require.
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