Window cleaning insurance in Spokane
Ladders, glass and other people’s buildings. Low severity on the ground floor, and a completely different conversation above it.
Scratched glass is the bread-and-butter claim
Fabricating debris on new glass, a trapped grain of grit under a scraper, and a storefront pane becomes a replacement. Individually modest, collectively the thing that shapes your loss history. Carriers that write this class know the pattern, and the operators who get the best renewals are the ones who inspect and document glass condition before touching it — particularly on new construction, where fabricating debris is the usual culprit and the argument about who caused it is worth having with photographs.
Height changes your market
Ground-floor residential and two-storey commercial are straightforward. Rope descent, boom lifts and anything above three storeys narrow the carrier list sharply, and some exclude suspended access entirely. Washington has specific requirements for rope descent systems and fall protection; a policy written on the assumption you work from ladders will not help after an incident on a roof anchor.
The equipment nobody schedules
Water-fed poles, pure-water systems, ladders and lifts are real money and live in a van overnight. Commercial auto covers the vehicle, not the kit inside it. An inland marine floater is inexpensive, and theft from service vans around Spokane is common enough to make it worth having.
Biggest exposures for window cleaning
- Scratched or broken glass — the most common claim in the trade
- Falls from ladders, and anything involving height access
- Dropped equipment hitting people, cars or landscaping
- Water damage to interiors and sills
Pre-filled for your trade. Two minutes.
Coverage
What window cleaning usually carry
General Liability
The baseline policy.
Read moreWorkers' Compensation
Required in Washington for nearly every employer.
Read moreCommercial Auto
Coverage for the vehicles your business owns, leases, rents or asks employees to drive.
Read moreBusiness Owner's Policy (BOP)
General liability and commercial property bundled into one policy, usually for less than buying them separately.
Read moreQuestions
Window Cleaning insurance FAQs
Yes, under general liability property damage, subject to your deductible. Because these claims are frequent and usually modest, documenting pre-existing glass condition before you start is the single most useful habit in this trade.
Yes. Rope descent and suspended access are a different risk class, several carriers exclude them, and Washington has specific fall-protection requirements. Disclose the height and the access method you actually use.
For ground-level residential and low commercial work it is one of the more affordable classes. Price rises with height and with the access equipment you use, which is the main variable underwriters look at.
Other trades
We write these too
General Contractors
Registration, a bond, liability and workers’ comp — general contractors carry more moving parts than any trade we write, and the most contract-driven requirements.
Read moreRoofers
The hardest trade in construction to insure, and the one where carrier appetite narrows fastest.
Read moreElectricians
Low claim frequency, high claim severity.
Read morePlumbers
Every job you touch carries water, and water finds its way into places that cost far more to repair than the work you were paid for.
Read moreStart with your trade. We will take it from there.
Tell us what the business does and we will pre-select the coverage it normally needs, then compare carriers for you. About two minutes, no obligation.
Prefer to talk it through? Call (509) 944-0847.