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Ladders, glass, and how high you actually work

Window cleaning insurance,
in plain English

From storefronts to third-story residential — glass, ladders, and water-fed poles all covered in plain English.

Two minutes, and a licensed agent follows up once we can place coverage in your state.

How we get you covered

The things that actually go wrong on window cleaning jobs, and the coverage that answers for each one.

General liability
General liability
General liability
Tools & equipment

Covered vs. not covered — before you pay

General liability — Window cleaningExclusions up front
Covered
  • Broken glass and frames you're working on
  • Injuries to passers-by
  • Water damage from your equipment
Not covered — read this first
  • Work above three stories without an add-on
  • Your own poles, ladders, and van contents (tools & equipment)
  • Employee injuries (workers' comp)

The coverages window cleaners usually stack

General liability — If your work damages someone's stuff or hurts someone who isn't your employee, this pays. It's the policy every client COI request is really asking about.
Tools & equipment — Covers your own gear — stolen from the van, dropped off a ladder, fried on site. General liability never pays for your own stuff; this does.
Workers' compensation — Pays medical bills and lost wages when your employee is hurt working. Required by law in most states once you hire — construction rules are strictest.

What drives your price

We don't publish a "from $X a month" number, because for window cleaners it would be close to meaningless — the same work prices very differently depending on classification, payroll, claims history, and state. Get a real quote instead; it takes about two minutes and no one calls you.

State rules for window cleaners

Licensing and minimum limits differ by state. Pick yours:

Florida

Why window cleaners switch to Flannable

Exclusions before checkout

Others reveal the fine print at checkout — or add it after you buy. Ours is on this page, above.

Renewals get re-shopped

If your renewal jumps, we re-shop it across carriers automatically and show you the math — we're an independent agency, not a captive one.

COIs that stay alive

Self-serve certificates, and renewal certs re-sent to every holder before they expire — so an expired COI never costs you a job. That's what we're building first.

Frequently asked questions

What drives the price of window cleaning insurance?

Working height above all — ground-and-ladder work prices very differently from mid-rise or rope-access work — then crew size and claims history. Declare your real maximum height; a claim at a height you never declared can be denied.

Am I covered above three stories?

Standard policies often exclude or surcharge work above two or three stories. Tell your insurer your real max height — a claim at a height you didn't declare can be denied.

Do storefront clients really check?

Yes. Property managers almost always require a certificate of insurance naming them as additional insured before recurring contracts.

Coverage for window cleaners, without the decoder ring → Tell us about your work