We work at extremely dangerous heights. Thus it is essential to have the proper insurance to avoid any potential liability issues due to working under such hazardous conditions. When adequately insured, the insurance policy will protect everyone involved in case something doesn’t go as planned, i. e. it covers the Building, the property owner(s)/managers(s), as well as the company itself.
Big Apple Window Cleaning is a fully insured professional business entity. We carry a $10 million insurance policy, which includes general liability, umbrella, auto, workers compensation, disability insurance.
Whats covered by the policy?
Make sure that Exterior window cleaning is covered by the potential vendor's policy. However, if you're unsure about what exactly policy entails, don’t hesitate to ask us for more information or request a copy of the document. Be advised, the ‘Janitorial Policy’ DOES NOT cover exterior window cleaning and has limitations for height exposure. Sometimes it's ONLY up to six feet.
What is the height limitation of the policy?
Please understand that often basic and inexpensive window cleaning insurance policies have a very low height restriction/limitation of only up to 3-4 story buildings. If the number of stories in your building is taller than the policy restrictions, you WILL NOT be covered regardless of the policy limit stated on the COI (Certificate Of Insurance).
Does the policy cover any subcontractors or 1099 employees?
It is an expensive endorsement and is quite often overlooked. If the policy doesn’t have it, you ARE NOT covered regardless of the limits listed on the COI or height restriction limits.
OUR INSURANCE COVERAGES
General Liability and Umbrella Insurance
We have a $10,000,000 policy limit, and endorsements match or exceed insurance requirements of the government agencies, MTA, Port Authority, and most building managements in NYC. It lists high-rise exterior window cleaning as a covered service and has all other required endorsements. Also, it covers all employees who are employed as subcontractors (1099 form).
We carry a $1,000,000 auto insurance policy with all required endorsements.
Workers Compensation Insurance
We carry $1,000,000 in workers compensation insurance and are in full compliance with all labor laws.
Disability Insurance and Bonding
We carry disability insurance and are properly bonded.
INSURANCE FRAUD WARNING
We all know about recent increases in rates for window cleaning insurance coverage in New York City and more stringent requirements for policy limits from leading building management companies. Hence, proper insurance coverage has become a burden in NYC that very few companies can properly carry. Please be advised that a COI DOES NOT contain any details about the policy and what is covered. The COI ONLY provides policy numbers, expiration dates, and limits. Please take a few minutes to do your due diligence and thoroughly read potential vendor’s policy all the way through. If you have any questions, please do not hesitate to call the broker. It’s as simple as contacting the broker listed on the vendor’s COI and asking a few basic questions (listed above). We’d be more than happy to oblige and help you with any questions, comments, and concerns you may have.
Please remember, you are putting yourself at unlimited risk, by accepting improper insurance.