Roof Cleaning Insurance: Cost & Quotes From $11

Written by columbus adm

Published on: June 23, 2022 | Last Updated: March 13, 2025

 

Maintaining the roof of your house is very important. It gives your house an appealing look as well as increasing its overall life. However keeping it clean also poses several risks to the cleaning companies which is why there is a great necessity for roof cleaning insurance

In this article we will discuss the coverage that is available under roof cleaning insurance, its cost and how to get cheap quotes.

. Understanding Roof Cleaning Insurance

Insurance cover that is provided to roof cleaners covers a range of risks that may come up while they go about roof cleaning and preparations to do so. Some of these would include:

  • Property Damage: Providing cover against circumstances where a cleaner is alleged to have vandalized a client’s property in the course of their cleaning work.
  • Bodily Injury: Offering compensation for injury of employees or other individuals that occur in the course of the roof cleaning.
  • Professional Liability: This is protection for the service provider from claims against them for negligence or that they did not meet the terms of their service.

Insurance cover is more than just a means of preventing losses. It is an added trust factor for clients because most clients ask for evidence of insurance cover as a precondition for hiring a contractor.

 

Types of Coverage

A variety of insurance policies are relevant to roof cleaning operations:

  • General Liability Insurance: This is essential in order to cover third party claims of injuries to people or damage to their property. The average cost for this type of policy can be between $100 a month to $1,200 a year with a $1 million worth of coverage.
  • Professional Liability Insurance: This insurance policy will cover litigations that arise from negligence or mistakes committed by the service provider. This is particularly useful for companies that have focused on providing specialized cleaning services operations.
  • Workers’ Compensation Insurance: A requirement in most states this would cater to medical expenses and lost income due to employees’ getting injured in the course of work.
  • Commercial Auto Insurance: This coverage is necessary if your company owns vehicles for the purpose of carrying gear or employees. Average Price and the Factors Impacting the Premiums

 

Average Costs and Factors Influencing Premiums

The cost of roof cleaning insurance can differ greatly in relation to a number of characteristics so let’s take a closer look at this:

  • Business Size: More employees equal to a larger business which in turn equates to the insurance policy costing more because the risk exposure is much more widespread.
  • Location: Each state averages out to a different insurance cost because of specific areas having various regulations and risk factors.
  • Coverage Limits: The larger the amount you are covered for the higher the premium will cost. A good percentage of small firms go for $1,000,000 per occurrence limit and $1,000,000 aggregate limits.

As a rough estimate, for the roof cleaning cost insurance, expect to pay anywhere from $80 – $110.

 

Obtaining Quotes for Roof Cleaning Insurance

If you want to get the best possible rate and coverages for your policy, we suggest following the strategies below:

  • Use Multiple Insurance Providers: Use the internet for quick comparison of quotes from different providers.
  • Insurance Broker: An effective insurance broker can recommend and focus on policies with special tailoring relevant to your provisions and be flexible in explaining all your obligations.
  • Evaluate Your Policies: Assess and quantify policies needed in respect to your business activities and the risks involved.

 

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Why Insurance Companies Require Roof Cleaning

As a way to handle risks of property damage and possible claims, insurance companies usually require roof cleaning insurance as part of their policies. A well-maintained roof is less likely to face issues such as mold or damage which can lead to costly claims.

Moreover, if such damage occurs, not doing regular cleaning and upkeep may lead to claim denials. Considering that maintaining a clean roof helps to protect your investment as well as ensuring compliance with insurance provisions, it would certainly make sense.

 

Best Roof Cleaning Insurance Companies

. CoverWallet

It is an insurance brokerage that offers roof cleaners insurance to assists roof cleaners with policies that suit their needs. It provides a site that lets customers compare quotes for insurance covers.

  • Average Cost: $80.83 per month bringing the total coverage limit of general liability to $1 million.
  • Rating: 10/10

Pros:

  • Policies are managed easily via the MyCoverWallet App.
  • Several insurance services such as general liability and workers’ compensation are available.
  • It is easy to get quotes from different insurers.

Cons:

  • They operate as a broker and don’t write the insurance cover.
  • Some insurers are better than others when it comes to customer service.

 

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3. Thimble

Insurance for small businesses including those that provide roof cleaning services is available from thimble and this insurance is active on demand. These policies are for short term use.

  • Average Cost: $110.33 per month storage means total coverage limit is one million in general liability.
  • Rating: 9/10

Pros:

  • Coverage for hours, days and even weeks can be offered.
  • Coverage can be instant and bought online which is good for emergencies.

Cons

  • Cover retailed in smaller businesses are less than larger ones that have been in the market longer.

 

Hiscox Insurance

Overview: They provide contractor insurance and cleaning services. Hiscox is known for emphasizing on customer satisfaction and support.

  • Average Cost: Changes based on individual requirements
  • Rating: 8/10

Pros:

  • Good feedback has been received regarding his client handling and address their claims efficiently.
  • There are many types of business insurances apart from only offering liability.

Cons:

  • Their specialization in roof cleaning may not being the best as other companies.

   

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Next Insurance

Overview: Provides fast online coverage deals as well as quotes aimed at small scale businesses including tushy cleaning companies

  • Average Cost: Roughly a hundred dollars monthly for general cover (depending on the size of the business).
  • Rating: 8/10

Pros:

  • Asking for a quote online is made easier with the assistance of policy management.
  • Specialized prices that fit small business needs.

Cons:

  • Lacks physical branches, mostly online which isn’t good for every client.

 

Progressive Insurance

The organization that is better known for their auto insurance has also make available for industries a group of insurances which Progressive Insurance is one of the roof maintenance business insures.

  • Average Cost: Relies on particular needs of the business as it harshly varies however is in most cases competitively distributed.
  • Rating: 7/10

Pros:

  • The reputation the organization has within the insurance market is rather good as they are financially stable.
  • Policies and claim insurances can be managed well through the mobile application.

Cons:

  • What every agent has to offer as a client may rather widely differ than some prefer.

 

 

 

 

 

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