Window Cleaning Insurance for Contractors
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Window cleaning professionals, like all other contractors
, require Window Cleaning Insurance. The size of your company, locations worked on, and amount of building stories cleaned all factor into what different types of policies should be included with your Window Cleaning Insurance.
General Liability Insurance
All businesses are required to have General Liability Insurance. General Liability Insurance provides coverage for bodily injury and property damage that may happen while working. Some accidents that happen will be covered under the General Liability policy, but others may not, making it very important to speak with an insurance agent about what other policies your Window Cleaning or power washing business will require.
Why Do I Need Workers Compensation Insurance?
Since your window cleaning business has employees to be able to tackle more locations, or take on larger jobs requiring more hands on deck, workers compensation insurance is a must-have policy. Workers compensation is mandatory in most states. Workers compensation will protect your employees if they are injured on the job.
If your window cleaning business does not have a workers compensation policy, any injury that happens to an employee while working will be your financial responsibility. Or worse, legal action may be taken against you, which can put your window cleaning company in a financial hardship.
EMR Rating and Workers Compensation
An EMR, otherwise known as an experience modification rating, factors in the number of insurance and workers compensation claims that were reported to the National Council on Compensation Insurance (NCCI) over the last five years. For contractors, insurance companies use your businesses EMR to look into your past claims history to gauge your chances of future risk.
This will all determine your experience modification rating. If your rating is at a certain number, this will ensure a lower premium. Not sure what your EMR is? Speak with one of our agents today, and they review your EMR rating with you.
As a window cleaning or power washing professional, there are many risks associated with the job. There is a very high chance that a claim will be filed against your company. At Alliance Insurance Agency, we offer claims management. Claims management aims to make the process easier for you when a claim is filed.
After all the hard work your company does to make windows sparkle, the last thing you want to worry about is questioning what to do when a claim is filed. Typically, there are three types of claims management services offered.
- Advisement offers claims advice from a professional regarding certain financial orders.
- Representation is when the claims management professional will work on the clients behalf.
- Claims Investigation will investigate every detail of the claim that was filed, which can sometimes result in the claim no longer being valid.
A great way to help your window cleaning business lock in lower premiums is by implementing loss control. Loss control is a risk management technique where your main goal is to avoid accidents before they happen, or become a greater threat. Here are a couple things you can consider adding to your practice to help avoid accidents:
- Add wrist straps to tools: If you are cleaning a taller building, the wrist strap will help if tools are dropped. It will remain strapped to the workers wrist, making sure that no people are hit, or property is damaged by a falling item.
- Double check safety belts and harnesses: Accidents have occurred from belts and harnesses not being properly attached. It is always smart to remember that just because your harness was strapped in correctly during your last use, does not always means it will be secure for the next use. Items may get moved or bumped around during the transportation process.
Payroll, Employee Benefits, and HR
As the owner of a window cleaning or power washing business, there are many responsibilities that you must take on. Let Alliance Insurance Group take the stress of payroll, benefits, and HR away from you!
We can help you find the right Employee Benefits plan for the hard-working individuals that keep your business going. We also have a simple system to help distribute Payroll to your employees. No more need to sit and calculate your employees pay, we can take care of it for you.
At Alliance Insurance Group, we understand that no two businesses operate the same. Our goal is to assess your specific needs and risks, and put together a customized Window Cleaning Insurance policy for you. Feel free to call us at (303) 279-9700 or fill out the form below.