Why is Insurance Important with Window Cleaners?
For Your Protection;
Require all of your service contractors to provide both a certificate of liability and worker’s compensation insurance prior to working on your property. The certificate should be made out specifically to your company and cover the workers that would actually provide the service. Beware of companies that tell you they are insured but always come up with some excuse or delay when you request a certificate of Insurance. (Certificates should be mailed from their insurance company or agent, not handed to you). Also beware of those companies who provide you with a certificate and then have only the owners do the work or use sub-contract labor, both of which may be specifically excluded from their insurance coverage.
Smart Business Managers & Owners
Protect their businesses and life styles by requiring anyone that works on their property to provide certificates of both;
Worker’s Compensation Insurance
To protect you . In case the workers get injured or disabled. Hiring self-employed workers may leave you totally unprotected. Also beware of companies that may be able to supply a certificate of coverage but then “sub-contract” to pseudo-employees, calling their employees Contractors may allow them to avoid paying some of the taxes and insurance and other costs which are normal costs of doing business ethically. This practice can leave you and their employees outside of the coverage indicated on any supplied certificate, leaving you and them with an unacceptable risk.
To protect you, your customers, your employees and people just passing through and their property. Accidents happen and Window Washing activities provide numerous situations that can present risks. Be sure there is a safety net if someone is injured or damage is done to something.
How to Help Minimize Your Risk
Be sure to get a certificate of insurance coverage from any service providers or contractors that may work on your property. Such certificates should be mailed to you from their insurance company NOT handed to you by them. The certificates must list you as the certificate holder so you are notified of any changes or cancelation of coverage
Ask if the contractor uses their own employees to performed the actual service or do they sub-contract to others. If they use such “pseudo-employees” be sure to get certificates that actually cover the individuals that will be working on your property.
BEWARE of any excuses, delays or convoluted explanations!