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While your gutter cleaning business provides invaluable maintenance services, you’re often exposed to risks that can hurt your financial resources.
Consider this scenario: a new employee rips off a gutter while cleaning or the gutter breaks loose and strikes the client standing below, causing an injury to the head. Thats where gutter cleaning business insurance comes in.
This article shares some light on gutter cleaning insurance, the policies insurance cost and some of the companies offering the service.
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General Liability Insurance for Gutter Cleaning Business
General liability insurance is a critical policy for any business, say for example carpet cleaning, roof cleaning, and janitorial businesses. It protects your company from liabilities suffered by a client or member of the public due to your business activities.
With sufficient liability coverage, you can compensate claimants and cover the legal expenses. That’s the only way you can prevent the financial repercussions of the aforementioned risks.
Aside from having protection against business exposures, get general liability insurance because it will help your business grow.
Clients are more likely to hire gutter cleaners who have general liability insurance. It’s because this policy ensures clients can recover losses if your service caused personal injuries and property damage.
While general liability covers third-party property damages and bodily injuries, including other policies in your gutter cleaning business insurance protects you against other problematic exposures.
Also known as errors & omissions insurance (E&O), a professional liability policy covers you against lawsuits due to negligence, mistakes, or failures that cause another person to lose money.
For instance, if you wrongly advise a client on gutter maintenance practices and they follow your instructions only to end up damaging the gutter or getting injured, they can file a claim against you.
This policy will pay for your legal defense and any compensation if need be. Note that professional liability insurance is a common inclusion in house cleaning insurance and pool cleaning insurance.
If you own a business van or truck that you use to travel and transport equipment and tools to a job site, your personal car insurance will not cover the commercial vehicle if something happens to it. In some cases, coverage applies but the insurance company might increase premiums.
Covering the vehicle you’re using for business purposes is best done with commercial auto insurance.
You spent a lot of fortune on your gutter cleaning business’s commercial space. You never know when a fire or destructive weather occurs. Protect your commercial building from contingencies, get commercial property insurance.
Commercial property insurance will pay for reconstruction costs if fire or extreme weather destroys your business’s commercial building. In case fire, extreme weather, theft, and other covered perils only caused some damages, then commercial property insurance will pay for building repair.
Equipment and tools inside or outside of the commercial building are also covered by commercial property insurance. Commercial property insurance has business equipment and tools coverage.
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If your gutter cleaning tools and equipment incurred damage while being used, you need something else entirely – tools and equipment insurance.
Tools and equipment insurance will cover losses if your gutter cleaning tools and equipment were damaged on-site or off-site. In practice, this will reimburse you equal to their current market value.
But note that you might receive a replacement instead if your gutter cleaning tools and equipment are less than three years old.
Someone might manage to steal your gutter cleaning equipment and tools stored in the car. It’s also possible for damage to be incurred during the trip. Tools and equipment insurance can’t help you in such scenarios.
Equipment in transit insurance is to the rescue if something happens to your gutter cleaning tools and equipment while they’re in the commercial vehicle. This will reimburse your losses if fire, vandalism, theft, and other covered perils destroyed or damaged your gutter cleaning tools and equipment during the trip.
Workers Compensation Insurance
Workplace accidents might happen and will injure employees. You, as the employer, are responsible for making sure that the injured workers get adequate treatment and compensation for lost income.
Avoid using business funds when doing so, get workers compensation insurance for window cleaning businesses and dry cleaning businesses. Workers’ compensation is a state-mandated insurance. You’re required to have this as soon as you have one or more employees.
When an employee suffers from a work-related injury or disease, workers’ compensation insurance will take care of everything on your behalf – emergency treatment, hospitalization, rehabilitation, and lost income compensation.
Workers’ compensation insurance will even provide death benefits to dependents if the employee dies. The employee will receive insurance money equal to two-thirds of his or her average weekly wage.
You don’t need to comply with any state-required insurance to operate legally. But still, know that you will need a general liability policy to satisfy the demands of clients.
The general rule is that your gutter cleaning business must have general liability insurance offering $1 million in bodily injury coverage and $100,000 in property damage coverage. Coverage for advertising injuries is optional.
The truth is that your gutter cleaning business is different from another company providing the same services. The policies you include in your insurance plan differ from your competitors’. Hence, the cost of insurance for gutter cleaning business varies from one company to the other based on various factors, including:
On average, professional gutter cleaning companies in the US pay monthly premiums ranging from $42 a month or $504 a year for $1 million general liability insurance. In connection
CoverWallet doesn’t have a tailored gutter cleaner insurance. However, it has specialized insurance for services to buildings that covers gutter cleaners, painters, handymen, and other related professionals.
This insurance product from CoverWallet offers four options – general liability only, commercial property and general liability, business owner’s policy with an optional workers compensation, and a custom plan.
Average cost: $41 per month
Thimble’s gutter cleaning insurance only includes general liability coverage with a $1 million – $2 million limit. You can choose not to have any deductible but prepare to pay for more expensive premiums.
This company allows you to endorse additional policies to its gutter cleaning insurance, so that protection is more comprehensive.
Average cost: $46.72 per month
Our rating: 9/10
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Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
