Window Cleaning

What Does GL Code 99975 Cover?

ISO GL class code 99975 covers businesses primarily engaged in cleaning windows for commercial and residential properties. This code classifies operations involving the washing, scrubbing, and polishing of glass surfaces, often requiring specialized equipment for elevated work. It encompasses the general liability exposures associated with providing professional window cleaning services.

Who Uses This Class Code?

This code is applicable to various entities such as independent window cleaning contractors, residential window washing services, commercial high-rise window cleaning companies, and storefront glass cleaners. It also includes businesses that offer window cleaning as a primary service, whether for interior or exterior glass.

Common GL Claims for This Class

Common claims for window cleaning businesses include property damage from dropped equipment or cleaning solutions, such as broken windows or damaged landscaping. Slip-and-fall incidents by third parties on wet surfaces or from equipment left out also frequently lead to general liability claims.

Coverage Tips for Code 99975

• Ensure your policy has adequate coverage for property damage to items in your care, custody, or control, as this is a common exclusion for window cleaners.
• If working at heights, verify your policy does not have exclusions for elevated work and consider specific fall protection protocols to mitigate risk.
• Always require subcontractors to carry their own General Liability insurance and name your business as an Additional Insured to prevent coverage gaps.
• Maintain detailed records of your gross receipts for accurate premium audits, as this is the basis for your General Liability premium.