Today, we are going to look at the types of insurance that your window washing service should have. It’s important that you work with an insured window washing service when hiring contractors because you don’t want to be responsible for accidents that may or may not happen while they are working on your property.
Luckily, Shine® is fully covered when it comes to insurance, so we make sure you are taken care of when we come out to shine your windows or clean out your gutters. We don’t want you to have to worry about accidents, as we use the safest equipment and tools to get the job done. We also want to make sure you do not have to pay for medical expenses or property damage.
Why You Need an Insured Window Washing Service
Did you know that if there is an unforeseeable accident on your property while your window washers are working, you are liable if they do not have insurance? While it may be a better deal or easier to hire a company that is not yet insured, in the end, it’s not a wise decision at all. Instead, you need to hire a window washing service that is fully insured.
Often, if a company does not have workers, it is not insured because a one-man company is not required to have workers’ compensation insurance. However, it’s in your best interest to ensure they have basic liability insurance coverage in the event of an accident. You don’t want to see your worker get hurt and then, on top of that, have to pay for his medical bills.
There are two main types of insurance you should look out for.
Workers’ Compensation Insurance
The first type of insurance you should look out for is workers’ compensation insurance. The law actually says that window washing services with employees must have this kind of insurance coverage. This protects the employees with medical, disability, and life insurance in the event of an on-job accident or injury.
Workers’ compensation insurance protects you from any accidents the employees have while on your property. If a company does not have workers’ compensation insurance coverage, this could mean that you are responsible for anything that happens to him or her while on your property. If they had an accident, you would be viewed as the legal supervisor of the job.
They might be able to sue you for “negligent supervision” while they were on the job, washing your windows. How do they get into accidents? Many window washing companies offer multiple services, such as gutter cleaning. When the workers are on ladders cleaning your windows or cleaning out the leaves in your gutters, they can easily fall and have an accident on your property.
Make certain that your window washing company is insured before having them come out to do anything on your property. Many window cleaning companies claim they do have insurance, but they have fraudulent insurance certificates. In fact, one out of every six window cleaners is not properly insured with coverage. Check to see if they have a certificate of insurance.
General Liability Insurance
The second type of insurance coverage that you will want to be on the lookout for is general liability insurance coverage. General insurance coverage for liability for window cleaners includes coverage for property damage and bodily injury should there be an accident. Without adequate insurance coverage like this, you will be responsible for the bills related to the accident.
For example, if a window washer is making your upper-level window shine, he or she may fall off the ladder, causing a serious accident. If the accident happened on your property, and the company did not have good liability coverage, equipment costs, medical bills, any damage to your property, or harm done to bystanders would all be your responsibility.
To make sure that you are not responsible for unfortunate accidents like this, make sure you ask for proof of insurance from your window cleaning company or any contractor you decide to work with. This way, you will know you are not financially responsible for things that you shouldn’t have to worry about.
After all, isn’t part of hiring help is that it saves you time and money? You shouldn’t need to worry about accidents, medical bills, or property damage when you have a contractor come out.
Make sure the company has the right insurance coverage to protect your business or home from the insurance cost of medical expenses, property damage, or any other costs!
At Shine®, you can rest assured that you are covered when it comes to professional liability insurance and workers’ compensation. We make sure your small business or home is protected against any additional costs, such as those listed in this article.
If you are ready to have your windows sparkle from the best, be sure to get a free estimate from Shine®. That way, we can assess how we can best meet your needs and get you taken care of. We value our customers and enjoy brightening their day with the best window cleaning service around. We look forward to working with you!