Window Cleaning Insurance
Cleaning glass often means ladders, poles, and lifts above ground, where a dropped squeegee or a slip can reach the people and property below — that height exposure shapes this coverage.
What this coverage is intended to address
- ✓General liability intended to respond to third-party bodily injury, such as a dropped tool or a fall that reaches someone below.
- ✓Property-damage protection generally intended to address scratched glass, damaged screens, or marred sills during cleaning.
- ✓Completed-operations coverage intended to respond if a pane is left compromised and later fails or causes harm.
- ✓Tools and equipment (inland marine), when scheduled, intended to help replace water-fed poles, squeegees, and ladders if stolen or damaged.
Coverage products commonly considered
Most window cleaning operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Picture a squeegee slipping from a worker on a second-story ladder and striking a customer on the walkway below; in the event of a covered claim, the general liability portion is intended to respond to the bodily-injury demand.
- Suppose abrasive grit on a pad scratches a storefront's plate-glass window during cleaning — the property-damage coverage may help respond to the replacement claim.
Frequently asked questions
Does this respond to incidents while working at height?
General liability is generally intended to respond to third-party bodily injury or property damage that occurs during your work, including from ladders and lifts, subject to policy terms.
What if I scratch or break a window I am cleaning?
General liability is intended to respond to resulting third-party property damage, such as a scratched or broken pane, within the policy's limits and terms.
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