Window cleaning insurance in Florida, for homes, storefronts and low-rise buildings.
Residential and storefront window cleaners across Florida: we help you cover the liability that comes with ladders, glass and water around other people’s property, plus your van, your equipment and your crew. In English, Spanish or Russian.
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What can go wrong on a window cleaning job
Window cleaning looks simple until something breaks. You’re working on ladders, around glass, with water and cleaning solutions, often at a storefront full of customers or a home full of furniture. The U.S. Census Bureau counts 6,675 janitorial services establishments with paid employees in Florida, the Census category that includes window cleaning (County Business Patterns, 2023).
The claims window cleaners run into most:
- A cracked or broken pane, or a damaged screen or window track.
- A ladder slips and damages a roof edge, gutter, awning or storefront sign.
- Water gets inside and stains a floor, wall or merchandise.
- A shopper or pedestrian slips on a wet sidewalk in front of a storefront you’re cleaning.
- Cleaning solution drips onto a car, plants or a painted surface.
- A crew member falls from a ladder or is cut by broken glass.
- Ladders, water-fed poles or a purification unit are stolen from the van.
Coverage that usually fits a window cleaning business
General liability
For claims that your work injured someone or damaged their property, such as a broken pane or a slip on a wet sidewalk, subject to the policy terms. Storefront and property-management clients usually require it.
Workers’ compensation
Pays medical bills and lost wages if an employee is hurt on the job, for example in a ladder fall. When it’s required depends on your headcount and how your work is classified (see below).
Commercial auto
For the van or pickup that carries your ladders and water-fed pole system, including any racks or built-in equipment.
Tools & equipment
Inland marine coverage for ladders, water-fed poles, pure-water units and other gear, in the van, at the job or in storage.
Business owner’s policy
For eligible businesses, bundles general liability with coverage for business property such as stored supplies and equipment.
Who this page is for
This page is for window cleaning businesses that work on homes, storefronts and low-rise buildings, using ladders and water-fed poles from the ground. Tell us about every service you offer, including add-ons such as screen repair, gutter cleaning or pressure washing, so the policy describes your business correctly.
Florida points for window cleaners
Workers’ comp when you hire a crew
Florida Statutes § 440.02 requires workers’ compensation for most private employers with four or more employees, and for construction-industry employers with one or more. Which threshold applies to you depends on how your work is classified, so if you’re about to hire, ask us to confirm before your first employee starts.
Storefront and commercial accounts
Retail landlords, property managers and franchise locations often ask for a certificate of insurance before your first visit, sometimes with additional insured wording. Send us the request and we’ll check it against your policy.
What to have ready for a quote
- Types of properties you clean: homes, storefronts, low-rise offices
- How many stories your tallest regular job is, and the equipment you use (ladders, water-fed poles)
- Interior, exterior or both, and any add-on services
- Number of employees and estimated payroll for the next 12 months
- Estimated revenue for the next 12 months
- Vehicles (year, make, model, VIN) and drivers
- Equipment you want covered, with approximate values
- Claims in the last three to five years
Related: general liability, pressure washing insurance and commercial auto.
Talk to our team
M&K Agency is a family-owned agency in Florida City serving business owners across Florida by phone, text and email. When you call, you talk to one of us, in English, Spanish or Russian.
Mikhail Kozlov
Shane Henry
Elena De OñaWindow cleaning insurance: common questions
Does general liability cover a window I break while cleaning it?
Accidental damage to a customer’s property caused by your work is the kind of claim general liability is designed for, subject to the policy’s terms, limits and deductible. Some policies limit coverage for the specific item you’re working on, so ask us to show you how your policy handles it.
I’m a one-person operation. What do storefront clients usually ask for?
Most ask for a certificate showing general liability, and some want to be named as additional insured. Send us their request and we’ll confirm what your policy supports.
Are my ladders and water-fed pole system covered?
Not by general liability. Ladders, poles and pure-water units are typically covered under a tools and equipment (inland marine) policy, and built-in equipment on a van should be discussed when we set up the auto policy.
Do I need workers’ comp?
Florida requires it for most private employers with four or more employees, and for construction-industry employers with one or more. Call us before you hire and we’ll confirm which rule applies to your business.
Do you only work with window cleaners near Florida City?
No. Our office is in Florida City, but we work with window cleaning businesses across Florida by phone, text and email, in English, Spanish and Russian.
This article is general information, not legal advice or policy language. Coverage depends on the terms, limits and exclusions of your policy, and eligibility rules can change. Talk with a licensed agent about your situation.
Sources
Legal facts on this page were checked against these official sources on September 26, 2026.