Insurance for High Rise?

High Rise
1

I have a couple clients that really want us to do high rise windows. We have been thinking about it, but I am naturally nervous about jumping into high rise. My window cleaner has like 10 years experience and all the equipment and OSHA certifications but it still scares me.

The other day, our client gave me the price of the company that did it last year and told me if I matched it they would give it to me. Its a lot of money! So I am interested…

That being said, I am worried about insurance coverage. What type of coverage do you need for high rise? And roughly what does that cost a month? I know everyone’s rates and prices vary but just a ballpark would help me…

Any help or advice would be great!

Thanks in advance!

2

Get workers compensation and general liability. As I have figured out most high rises only want enough ins to cover the building, while bigger cities want ins pet floor. So make sure you ask about the type of ins you would need to do the work.

3

I already have General Liability and Workers Comp just wondering how much you need for high rise… Right now I hold 2 Mill Gen, how many mill do you need for high rise?

4

It’s not about how much mill to have. Just need to make sure that you’re covered for how high the building is. 2 mill is good.

5

I thought it would be enough to have general liability insurance.

6

Every state, insurance is different. Insurance wise im sure there is some type of addendum you can add to your policy for high rise. Safety wise, IMO, It’s more about the OSHA certs.

We get alot of high rise requests, I won’t touch em.

Here in mn we sadly have the highest death rate of window cleaners in the country due in part to franchises putting kids on top of buildings with very little training. I’d say if your gonna get into high rise work, just get the proper certs. Insurance wise, check with your agent to see what your state requires. any commercial bid proposal usually requires work comp, so I guess I’m just not sure why that was brought up.

Id say the only way I would personally get into high rise is buying that machine from IPC eagle for 100k that you can drop off the side of a building and let it work on its own.

i believe it depends on what state you are in, but your agent will have all the answers

7

Thanks for the help. I realized it was kind of a stupid question after I made the thread… :wink:

I called my insurance agency and they will have to put me under an entirely new insurance company because my current company won’t insure high rise!! Again, I am questioning whether I want to move my business that direction or not.