Window cleaning business insurance in North Carolina

What insurance does a window cleaning business in NC need?

Core coverages include: commercial GL (covering property damage and bodily injury, including broken glass, damaged frames, or ladder damage to structures); commercial auto; tools and equipment coverage; and workers comp if you have employees. High-rise commercial window cleaning requires additional coverages and specific underwriting attention.

Is window cleaning considered high-risk for insurance purposes?

Residential window cleaning at moderate heights is generally insurable at standard rates. Commercial high-rise window cleaning using rope access or swing stages is classified as a high-hazard occupation and carries elevated workers comp and GL rates. The height and method of access are the primary underwriting factors.

What workers comp rates apply to NC window cleaners?

Workers comp rates depend on the classification of work. Ground-level and low-rise window cleaning typically falls under a less hazardous classification. High-rise or rope-access work carries elevated rates reflecting the fall risk. Maintaining a clean loss history and documented safety program helps manage costs.

Does my window cleaning GL cover broken glass?

GL covers property damage to third parties arising from your operations. Breaking a client's window during cleaning should be a covered GL claim. However, the "care, custody, and control" exclusion may affect coverage for windows or property you are directly working on. Review policy language with your agent.