Anti Graffiti Film

Anti Graffiti Film protect glass from sratch etching

US $25.99

27d 12h 36m

Anti Graffiti Film

What does Commercial General Liability cover?

I am in a cleaning business. One of my customers requested a special cleaning for their windows which has calcium deposits/stains on their windows. We went ahead with normal cleaning procedure but made ugly scratches on the windows. Turns out, the windows were tinted with anti-graffiti films and we were not aware of that. Some of the cleaning material we used were a bit abrasive and that caused scratches. These materials would not have made such scratches on windows that are not tinted. The customer gave us a quote for replacement of the graffiti film. I carry a commercial general liability coverage. I understand that the insurance company has the final say as to whether the coverage would cover this damage. But I want to know if this type of accidents are generally covered by the general liability insurance. Thanks.

Well, there are a whole bunch of forms, but generally, it does NOT warranty your work, and on many contracting policies, it specifically excludes coverage for damage you do to the portion of the building you are working on.

Bottom line: unless the damage is UNDER your GL deductible, if you have one, you're probably going to want to turn this over to your insurer and ask them to handle it. You're not necessarily AUTOMATICALLY liable for the damages. You'll have to have been NEGLIGENT. If the window tint isn't obviously a film, and the owner didn't disclose that it was there, you might not actually even be responsible for the damages.