Hi! Do any of you have thoughts on this? I carry $2mill in general liability insurance, and we were recently involved in a claim. One of my guys was on a job and scratched two windows while working, and unfortunately, they were on some super expensive massive windows. I inspected the two 3 inch scratches and thought best to make an insurance claim as the total replacement for the two panes was $4,000.
I made the claim and was told by my carrier, that the replacement panes wouldn’t be covered under my GENERAL LIABILITY WINDOW CLEANING POLICY because the windows were damaged while we were doing the work. They said they would only cover the scratches if they had happened by a ladder falling or some hap-hazard circumstances, that was inadvertently caused by our being there. But that damages caused by our actual work wouldn’t be covered.
Can you believe this SHIIIIIT! I am utterly infuriated by this. We carry General liability for Window Cleaning for this precise reason. Have any of you ever had to deal with this, and do you have any suggestions for a good full coverage general liability service.