Work at heights is dangerous, so the importance of proper insurance is easy to underestimate. If done right, the insurance policy protects all involved parties from unlimited liability if something goes not according to plan – the company itself, company owners and the property owner/manager.
QUESTIONS TO ASK AN INSURANCE BROKER
Make sure that exterior window cleaning is covered by the policy! Janitorial policy does not cover exterior window cleaning and has limitation for height exposure of only up to 6.
Be aware, that very often basic and inexpensive window cleaning insurance policies have a very low height restriction/limitation of only up to 3-4 story buildings. If your building is higher than policy restriction you are not covered, regardless of the policy limit stated on the COI!
It is an expensive endorsement and quite often is overlooked. If the policy doesn’t have it you are not covered regardless of the limits listed on the policy or height restriction limits.
OUR INSURANCE COVERAGES
- General Liability 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 required endorsements. In addition, it covers all employees who are employed as subcontractors (1099 form)
- Auto Insurance. We carry a $1,000,000 auto insurance policy with all required endorsements.
- Workmans Compensation Insurance. We carry a $500,000 workmans 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
Due to 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, proper insurance coverage has become a burden in NYC, that very few companies are able to carry.
Please be aware that certificate of insurance does not contain any details about policy and what is covered. The Certificate of Insurance (COI) just provides policy numbers, expiration dates and limits. Please take a few minutes and do your quick due diligence. It can be as simple as calling the broker listed on the contractors COI and asking a few basic questions (listed above).
Remember, by accepting improper insurance, you are putting yourself at unlimited risk!