Gutter cleaning insurance, simplified.
Why do I need a gutter cleaning insurance policy?
Gutter cleaners have an important job. Thanks to you, residents don’t have to deal with nasty water damage or costly home repairs.
But sometimes, clients only realize there’s a problem when something has already gone wrong. When you’re called in, it’s usually been a bad day for your client. You’re there to make it a better one.
As a professional who is often dealing with clients who are already upset, you need to keep your gutter cleaning business protected with general liability insurance coverage. No matter how scrupulous and careful you are, bad moods don’t discriminate if a client needs to blame someone because he believes the situation is worse than before.
Your job often involves tall ladders and even higher-reaching courage. But with that height comes risk. If you were to cause an accident, bodily injury to a third party could result in a claim for damages, including medical bills, that you’d be expected to pay.
If you were to damage the roof of a client’s house while scraping out leaves and debris from their blocked gutter, they could potentially file a claim against you, resulting in fees for damages and even legal defense costs.
This is why general liability insurance is essential. This coverage protects gutter cleaners from the financial ramifications of third-party claims for bodily injury and property damage.
Despite your best efforts, there is always a chance that an accident might occur. Don’t let the fear of having to pay for damages, or defend yourself in a lawsuit, warranted or not, threaten your financial or mental well-being.
No matter what, make sure you keep your assets out of the gutter with a strong small business insurance policy.
How much does gutter cleaning insurance cost?
The cost for Thimble’s Gutter Cleaning Insurance depends on your business’s crew size and the location of your operations, as well as your desired coverage limit and term duration.
General liability insurance for gutter cleaners arranged by Thimble is extremely beneficial for small business owners, handymen, and contractors. Not only is it flexible, but it’s this very flexibility that makes it so affordable.
With Thimble, pay for insurance that works when you do. Choose between an hourly, daily, or monthly policy and receive unlimited Additional Insureds and Certificates of Insurance for free.
Protect your gutter cleaning business with insurance that’s on-demand and affordable. Get your free Gutter Cleaning Insurance quote now.
What is covered under the Gutter Cleaning Insurance policy?
The General Liability Insurance arranged by Thimble can help protect gutter cleaners from the financial consequences of liability claims in situations like the following:
You’re constantly working at other people’s properties. If, for whatever reason, your services cause a third party to incur an injury, then you could be responsible.
3rd party property damage
Given the nature of your work, there’s always the chance that an accident could happen. If you happen to drop something on your client’s lawn furniture while working on the gutters, for example, you could be held responsible by the property owners. Should a third party file a claim, you could be responsible for the cost(s) of a repair or replacement.
How quickly can I get my policy and any required Certificates of Insurance?
After you receive your free quote and click to purchase, you’ll have your policy and any necessary COIs (proof of insurance) in your email inbox. Just like that.
For hardworking gutter cleaners, this instantaneous access is essential. If you want to show proof of insurance to a new client or potential employer, you can download as many COIs as you want for free.
And no need to wait around to buy your policy. Here at Thimble, getting a quote, making a purchase, and receiving your policy takes less than 60 seconds.
To access your insurance documents, modify and add Additional Insureds, or tweak your policy, simply download the Thimble mobile app for customer service on-the-go.
What are the Gutter Cleaning Insurance policy limits?
Thimble’s Gutter Cleaning Insurance comes with two distinct policy limits: $1 million or $2 million. The difference in coverage can have an immense impact on your peace of mind (and protection) in the future, so consider the benefits of a slightly larger policy before making a decision.
Remember, insurance is an investment in yourself.
Are workplace injuries of my staff covered?
No, general liability insurance only covers bodily injury claims for third parties. To cover that of your staff, consider purchasing a workers’ compensation insurance policy as well. In many states, if you have any full-time employees, then you’re legally required to carry workers’ comp.
Does Thimble’s Gutter Cleaning Insurance cover damage to my equipment?
General liability insurance for gutter cleaners only covers damages to third-parties, meaning you’ll need another type of coverage to protect your equipment.
However, at Thimble, our monthly general liability insurance plans come bundled with business equipment protection. This optional add-on comes in $1000, $2500, and $5000 limits, and protects your business equipment whenever you’re using it.
However, if you use your vehicle for work and own/lease an office space, you should consider looking into commercial auto and commercial property insurance.
How do I get insurance for my Gutter Cleaning business with Thimble?
Purchasing gutter cleaning insurance through Thimble is as easy as 1, 2, 3.
Simply input a few details about your services into our quote generator, tell us your ZIP code, and choose your desired coverage length. Whether you pick an hourly, daily, or monthly policy, your quote will be as quick as it is affordable.
The next part is even easier: just click to purchase, and you’ll immediately have your policy and necessary COIs in your (virtual) hands. Access it whenever you want from the Thimble mobile app.
What’s more? All of that takes less than 60 seconds.
Get your Gutter Cleaning Insurance quote now.
Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.
- Car / Boat / Vehicle Washing or Detailing
- Janitorial Services including Carpet and Window Cleaning
- Office Cleaning
- Pressure Washing
- Exterior Painting
- Floor Waxing
- Plumbing (other than a leaky faucet or toilet)
- Snow / Ice Removal
- Floor waxing during business hours or in commercial buildings with heavy foot traffic(malls, grocery / convenience / drug stores, hospitals, airports)
- Performing Work over Three Stories in Height(30 Feet)
What's Not Covered by Your Policy
- Activities Involving Firearms
- Performing Work over Three Stories in Height (30 feet)
- Work on 10 or More New Homes or New Residential Units in Any One Project or Development
- See full policy for details