When homeowners compare window cleaning companies, price is often the first thing they notice. But one of the most important questions you can ask has nothing to do with the upfront cost.<\/p>\n\n\n\n
Does the company carry workers’ compensation insurance?<\/strong><\/p>\n\n\n\n It may not be the most exciting topic, but it can make a huge difference if something goes wrong.<\/p>\n\n\n\n Workers’ compensation insurance provides medical coverage and lost wages for employees who are injured while working. Window cleaning is a physically demanding profession that involves ladders, roofs, uneven terrain, and working at height. Even with proper training and safety procedures, accidents can happen.<\/p>\n\n\n\n When a company carries workers’ compensation insurance, an employee who is injured on your property is covered through the company’s insurance policy.<\/p>\n\n\n\n If a window cleaner is injured while working on your property and the company does not<\/strong> carry workers’ compensation insurance, the situation can quickly become much more serious.<\/p>\n\n\n\n Imagine you have hired a window cleaner to clean your windows and while cleaning a window on a roof, they have a misstep getting to the ladder and fall to the ground, breaking a leg. You find out that window cleaner could not afford workers comp insurance, but says that since he is the owner, he isn’t required to have it. That is true for an owner operator. However, he doesn’t carry any other health insurance and now has to cover the cost of his broken leg. He discovers that is also unaffordable, so his best option is to file a claim on your homeowners insurance policy for his broken leg. <\/p>\n\n\n\n In Colorado, an injured worker may seek compensation through the homeowner’s insurance if they are injured while performing work on the property and they do not carry workers’ compensation coverage. These claims do happen and can result in higher insurance premiums, legal expenses, or significant financial consequences depending on the circumstances.<\/p>\n\n\n\n Workers’ compensation insurance is designed to protect both the worker and the homeowner by providing a dedicated source of benefits for work-related injuries. When a professional window cleaning company carries the proper coverage, injuries are generally handled through the company’s workers’ compensation policy rather than involving the homeowner’s insurance.<\/p>\n\n\n\n Hiring a properly insured company helps reduce these risks and provides peace of mind that everyone is protected.<\/p>\n\n\n\n The simple answer is cost.<\/p>\n\n\n\n Workers’ compensation insurance is one of the largest insurance expenses for a window cleaning business because the work involves climbing ladders and working at heights. Premiums can be substantial, especially for companies with employees.<\/p>\n\n\n\n Because of this, many smaller companies choose business structures that avoid hiring employees altogether. Some operate strictly as owner operators, while others rely on independent subcontractors instead of employees. If you find this is the case, you will almost always find that they do not have workers comp insurance. <\/p>\n\n\n\n While many owner-operated businesses provide excellent service, it’s still important to understand who is actually performing the work at your home and whether they are properly insured. It only takes one mistake and the cost is substantially more than the cost of coverage, but you may be the one paying it. <\/p>\n\n\n\n Many new window cleaning businesses begin with limited financial resources. Purchasing liability insurance, commercial auto insurance, equipment, and workers’ compensation insurance can be expensive, making it tempting to postpone certain coverages.<\/p>\n\n\n\n At the same time, newer companies typically have less experience working safely around ladders, steep terrain, difficult access, and unique home designs. Like any skilled trade, experience plays a significant role in recognizing hazards and preventing accidents.<\/p>\n\n\n\n That combination of less experience and limited insurance coverage can create additional risk for both the worker and the homeowner.<\/p>\n\n\n\n Before hiring any window cleaning company, it’s worth asking a few simple questions:<\/p>\n\n\n\n A reputable company should be happy to answer these questions and provide documentation if requested.<\/p>\n\n\n\n Choosing the lowest price isn’t always the least expensive decision in the long run.<\/p>\n\n\n\n When inviting people onto your property to perform work, you want to know they are experienced, properly insured, and committed to safety is one of the best investments you can make.<\/p>\n\n\n\n A professional window cleaning company invests in employee training, safe work practices, quality equipment, general liability insurance, commercial auto insurance, and workers’ compensation coverage. While those investments may increase operating costs, they also help ensure that if an accident occurs, everyone involved is protected.<\/p>\n\n\n\n Before hiring any contractor to work on your property, ask for proof of workers’ compensation insurance. A few extra dollars spent on a properly insured company today could save you from a costly insurance claim tomorrow.<\/p>\n\n\n\n Which is<\/strong> Why We Always Carry Full Coverage Worker’s Comp Insurance<\/strong><\/p>\n\n\n\n At Peak Window Cleaning, we believe that protecting our customers begins with protecting our team. That’s why we carry comprehensive insurance coverage, including workers’ compensation, general liability, commercial auto, and other business insurance designed to safeguard both our employees and our clients.<\/p>\n\n\n\n Insurance is only part of the equation. We also invest in ongoing safety training, modern equipment, and established procedures that help our technicians recognize hazards, work efficiently, and reduce the risk of accidents. Safety isn’t something we think about only after an incident happens, it’s built into every job we perform.<\/p>\n\n\n\n When you hire a professional window cleaning company, you’re not just paying for clean windows. You’re investing in experience, accountability, and the peace of mind that comes from knowing the company working on your home is committed to doing the job safely and responsibly.<\/p>\n","protected":false},"excerpt":{"rendered":" When homeowners compare window cleaning companies, price is often the first thing they notice. But one of the most important questions you can ask has nothing to do with the upfront cost. Does the company carry workers’ compensation insurance? It may not be the most exciting topic, but it can make a huge difference if […]<\/p>\n","protected":false},"author":1,"featured_media":224,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[79,72,50,70],"tags":[49,10,13,95,14,23,4,8,99],"class_list":["post-223","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gutter-cleaning","category-hire-a-professional","category-services","category-window-cleaning","tag-conifer","tag-evergreen","tag-foothills","tag-insurance","tag-mountains","tag-peak-window-cleaning","tag-window-cleaner","tag-window-cleaning","tag-workers-comp"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-content\/uploads\/2026\/08\/Newsletter-photo-Workers-Comp-2.png","_links":{"self":[{"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/posts\/223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/comments?post=223"}],"version-history":[{"count":1,"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/posts\/223\/revisions"}],"predecessor-version":[{"id":225,"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/posts\/223\/revisions\/225"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/media\/224"}],"wp:attachment":[{"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/media?parent=223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/categories?post=223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.peakwindowcleaning.com\/blog\/wp-json\/wp\/v2\/tags?post=223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}What Is Workers’ Compensation Insurance?<\/strong><\/h2>\n\n\n\n
Why It Matters to Colorado Homeowners<\/strong><\/h2>\n\n\n\n
Why Don’t All Window Cleaning Companies Carry It?<\/strong><\/h2>\n\n\n\n
New Companies Often Present Greater Risk<\/strong><\/h2>\n\n\n\n
Ask Before You Hire<\/strong><\/h2>\n\n\n\n
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Peace of Mind Is Worth It<\/strong><\/h2>\n\n\n\n