Window cleaning contractors across the United States face significantly varying insurance costs depending on their location, with premiums ranging from as low as 0.4% of annual revenue to over 17% in different markets. ContractorNerd’s proprietary quote platform connects you with contractor-friendly insurers through our tech-enabled and specialized agents who understand the unique risks and requirements of the window cleaning industry.
Our comprehensive analysis of over 200 window cleaning insurance quotes from top insurers reveals substantial regional differences in general liability insurance pricing that directly impact business profitability and operational planning. This data-driven guide provides the benchmarks you need to evaluate insurance proposals and make informed coverage decisions.
What This Guide Covers
This state-by-state cost analysis explores:
- Insurance cost benchmarks for 11 major markets across different business revenue levels
- Premium ranges as percentages of revenue to help you budget and plan operationally
- Potential savings opportunities between favorable and higher-end market rates
- Data-driven insights from actual market quotes to support your insurance procurement process
Understanding the Data
These insurance cost benchmarks reflect specific business characteristics that insurers use to assess risk and determine premiums. For $50,000 revenue operations, rates assume a single owner-operator with no employees, gross revenues of $50,000, and subcontractor costs representing less than 10% of total expenses. At the $150,000 revenue level, quotes reflect businesses with one owner and one employee, $150,000 in gross revenues with 10% subcontractor costs, and an established operational history with proven safety records. The $500,000 revenue tier represents more mature operations with approximately three employees, $500,000 in gross revenues, 10% subcontractor costs, and comprehensive safety protocols that demonstrate advanced risk management capabilities.
Understanding these cost variations enables window cleaning contractors to make strategic decisions about business location, operational planning, and insurance procurement approaches. The data shows that contractors in different markets face varying insurance expense ratios, requiring tailored approaches to pricing strategies and operational budgeting.
To fully understand what drives these premium variations, exploring comprehensive window cleaning insurance coverage options helps you identify which policies match your specific operational risks and business model.
Ready to get competitive quotes for your window cleaning business? Get quotes today through ContractorNerd’s specialized platform.
Jump to State
Arizona
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,360 | $610 | $2,830 | $750 (55%) |
| $150,000 | $2,870 | $1,060 | $6,670 | $1,810 (63%) |
| $500,000 | $8,460 | $2,760 | $19,820 | $5,700 (67%) |
Insurance costs range from 1.2% to 5.7% of revenue for smaller operations and 0.6% to 4.0% for larger businesses.
California
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,090 | $730 | $1,400 | $360 (33%) |
| $150,000 | $2,480 | $1,460 | $3,290 | $1,020 (41%) |
| $500,000 | $7,470 | $4,370 | $9,790 | $3,100 (42%) |
Insurance costs range from 1.5% to 2.8% of revenue for smaller operations and 0.9% to 2.0% for larger businesses.
Florida
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $950 | $590 | $1,350 | $360 (38%) |
| $150,000 | $2,480 | $1,620 | $3,020 | $860 (35%) |
| $500,000 | $7,350 | $5,500 | $8,420 | $1,850 (25%) |
Insurance costs range from 1.2% to 2.7% of revenue for smaller operations and 1.1% to 1.7% for larger businesses.
Illinois
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $3,420 | $1,470 | $8,790 | $1,950 (57%) |
| $150,000 | $7,410 | $2,930 | $20,910 | $4,480 (60%) |
| $500,000 | $21,660 | $7,980 | $61,780 | $13,680 (63%) |
Insurance costs range from 2.9% to 17.6% of revenue for smaller operations and 1.6% to 12.4% for larger businesses.
Massachusetts
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,020 | $800 | $1,410 | $220 (22%) |
| $150,000 | $2,500 | $1,550 | $3,410 | $950 (38%) |
| $500,000 | $7,320 | $4,140 | $9,500 | $3,180 (43%) |
Insurance costs range from 1.6% to 2.8% of revenue for smaller operations and 0.8% to 1.9% for larger businesses.
Michigan
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,440 | $780 | $3,360 | $660 (46%) |
| $150,000 | $2,980 | $1,260 | $6,910 | $1,720 (58%) |
| $500,000 | $8,500 | $3,840 | $19,250 | $4,660 (55%) |
Insurance costs range from 1.6% to 6.7% of revenue for smaller operations and 0.8% to 3.9% for larger businesses.
North Carolina
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $950 | $500 | $2,100 | $450 (47%) |
| $150,000 | $1,640 | $800 | $3,970 | $840 (51%) |
| $500,000 | $4,380 | $1,970 | $9,080 | $2,410 (55%) |
Insurance costs range from 1.0% to 4.2% of revenue for smaller operations and 0.4% to 1.8% for larger businesses.
Pennsylvania
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,450 | $1,460 | $4,290 | $990 (40%) |
| $150,000 | $6,670 | $4,430 | $9,430 | $2,240 (34%) |
| $500,000 | $12,430 | $10,230 | $16,990 | $2,200 (18%) |
Insurance costs range from 2.9% to 8.6% of revenue for smaller operations and 2.0% to 3.4% for larger businesses.
Texas
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $890 | $580 | $1,370 | $310 (35%) |
| $150,000 | $2,100 | $1,200 | $3,100 | $900 (43%) |
| $500,000 | $5,980 | $3,800 | $8,390 | $2,180 (36%) |
Insurance costs range from 1.2% to 2.7% of revenue for smaller operations and 0.8% to 1.7% for larger businesses.
Virginia
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $610 | $500 | $830 | $110 (18%) |
| $150,000 | $1,190 | $870 | $1,590 | $320 (27%) |
| $500,000 | $3,280 | $2,410 | $4,600 | $870 (27%) |
Insurance costs range from 1.0% to 1.7% of revenue for smaller operations and 0.5% to 0.9% for larger businesses.
Washington
The table below shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits, with premium ranges expressed as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $720 | $500 | $1,180 | $220 (31%) |
| $150,000 | $1,860 | $1,440 | $2,750 | $420 (23%) |
| $500,000 | $5,800 | $4,590 | $8,050 | $1,210 (21%) |
Insurance costs range from 1.0% to 2.4% of revenue for smaller operations and 0.9% to 1.6% for larger businesses.
Check Costs for Window Cleaning Insurance with ContractorNerd
This analysis reveals significant regional variations in window cleaning insurance costs, ranging from 0.4% to over 17% of annual revenue across different markets. Understanding these benchmarks provides the foundation for informed insurance procurement decisions.
Navigating the insurance market requires specialized expertise and access to insurers who understand window cleaning operations. ContractorNerd’s proprietary quote platform connects you with contractor-friendly insurers through our tech-enabled and specialized agents who understand the unique challenges of elevated work and property maintenance risks.
Ready to navigate the insurance market with industry expertise? Get competitive quotes today through ContractorNerd’s specialized platform.