While most gutter cleaning happens without damage or injury, the work does involve risks. Climbing to significant heights to reach your home’s roof and performing work can be a dangerous task. If property damage or bodily injury occurs, you don’t want to be responsible for the potential costs. When selecting a gutter cleaning service, you need to weigh not only the cost and quality of the service but also whether or not that contractor is insured and what type of coverage they provide.
Why Do Gutter Cleaners Need Insurance?
Gutter cleaning insurance is a form of contractor insurance. It’s commercial general liability as well as workers compensation insurance, meaning it protects the homeowner and the employer in the event of injuries caused to employees or to your family, guests, or pets. Whether it’s the employee’s fault or the homeowner’s– everything from dog bites to broken glass is covered.
Gutter cleaning is a risky business. While we trust our professionals to handle ladder work safely, the height and skill required for the work present a fair amount of risk. Insurance not only helps protect the business in the event of a lawsuit or negligence claim, but also protects you as the homeowner.
Why Homeowners Should Prioritize Hiring Gutter Experts Who Understand the Importance of Gutter Cleaning Insurance
Carrying commercial-grade liability insurance shows that they care. If not for insurance, any damage would leave the homeowner, the gutter cleaning company, or both liable for 100% of the cost of repair or damages. Partnering with a company that understands the risk, trains their employees on safety, and carries insurance just in case means you’re working with a professional.
Aerotech – A Fully Insured Gutter Company
Are you looking for assistance with your gutters? Aerotech brings over 34 years of gutter expertise to every job. We’re fully insured.
If you’re in one of the following regions, reach out today for a free estimate!
What Types of Insurance are Required for Gutter Cleaners?
Gutter cleaning companies should have worker’s compensation insurance as well as liability insurance to cover any accidents that might occur. Aerotech has full coverage, protecting our staff and customers from liability and damages in the case of an accident. This is a non-negotiable for us, and it’s served us well for over 35 years in the business of cleaning, installing, and repairing gutters.
How to Verify Your Gutter Experts Are Properly Insured
A trustworthy gutter cleaning service can provide proof of insurance coverage during the quote process. Don’t hesitate to ask about it when gathering information from local companies. Even small businesses can afford insurance to avoid liability and support the homeowners they serve. Finding a local provider you trust and have vetted will pay off in the long run. At the end of the day, gutter cleaning general liability insurance is standard, and working with a properly insured provider gives you peace of mind and hassle-free maintenance.
What Does Gutter Cleaning Insurance Cover?
Gutter cleaning insurance covers lots of potential accidents and risks of the job for both the gutter cleaning company and the homeowner, including:
- Bodily injury or harm for employees, the homeowner, guests, and pets.
- Damage to the home or property.
- Accidents that occur at the job site/home.
- Liability protection for the homeowner and the gutter cleaning company.
- Protection against theft for both the homeowner and small business owners.
Frequently Asked Questions
What happens if an uninsured gutter cleaner gets injured on my property?
As a homeowner, you would be liable for any out-of-pocket medical expenses related to the injury and the costs to repair any damage to your gutters, roof, or home. If you have to submit claims to your homeowner’s insurance, your premiums might increase. You’ll also be leaving yourself open to lawsuits related to the accident from the injured worker.
Can hiring an uninsured gutter cleaner void my homeowner’s insurance?
Does it Cost More to Hire Insured Gutter Cleaners?
We’re Here to Serve!
Aerotech brings over 34 years of gutter expertise to every job. We’re fully insured, so you will have peace of mind that the job will be completed safely and efficiently every time.
Aerotech proudly services:
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