FAQ_category: (HIDDEN) Industry FAQs

Junk removal companies face risks ranging from lifting injuries to property damage while hauling items. Core coverages include: 

• General Liability – Protects against client property damage, like scratching floors or walls during removal. 

• Workers’ Compensation – Required in most states if you employ staff; covers injuries such as back strains, falls, or cuts from debris. 

• Commercial Auto Insurance – Covers trucks and trailers used to haul junk. 

• Equipment Coverage – Protects tools and hauling equipment from theft or damage in transit. 

• Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with added business interruption protection. 

Yes! Even if liability insurance is not legally required in all states, most property managers, municipalities, and commercial clients require proof of insurance before awarding contracts. 

• Licensing: Some states and cities require proof of insurance to obtain a business license. 

• Contracts: Commercial property managers often mandate liability coverage to protect their assets. 

• Trust: Carrying insurance signals professionalism and reassures clients that risks are properly managed. 

Having coverage is more than a safeguard, it is often the key to landing high-value jobs and repeat business. 

Yes, with the right policies: 

• Workers’ Compensation covers employee injuries such as ladder falls or slips on wet surfaces. 

• General Liability covers third-party claims if a passerby is injured or if client property is damaged. 

• Equipment Coverage protects expensive tools and gear against theft or damage, whether in transit or on site. 

OSHA recognizes fall hazards as one of the most serious risks for window cleaners, making these coverages essential. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Window cleaning often involves ladders, lifts, and working around client property. The most important coverages include: 

• General Liability – Protects against property damage, such as broken windows, or injuries to third parties. 

• Workers’ Compensation – Required in most states if you have employees; covers workplace injuries like ladder falls or slips. 

• Commercial Auto Insurance – Covers vehicles used to transport ladders, scaffolding, and equipment. 

• Equipment Coverage – Protects your tools and gear from theft or damage while on the job or in transit. 

• Business Owner’s Policy (BOP) – Bundles liability and property coverage, often with income protection.