Clear Glass, Clear Conscience: Why Workers’ Comp is a Must
When you hire a window cleaning contractor in Eagle or Summit County, Colorado, you’re likely focused on the streak-free finish and the boost in curb appeal. However, there is a hidden detail that matters far more than the squeegee technique:
Workers’ Compensation insurance.
While a "cash-only" or under-insured, liability-only cleaner might offer a lower quote, that discount comes with a massive, invisible price tag. Here is why hiring a contractor with Workers' Comp is one of the smartest moves a property owner can make.
Your Property, Your Liability
In many jurisdictions, if a contractor is injured on your property and does not have Workers’ Comp, the law may classify you as the employer. Window cleaning inherently involves risks—ladders, heights, and slippery surfaces. If a worker falls, you could be held responsible for their:
- Emergency room and hospital bills
- Long-term rehabilitation costs
- Lost wages during recovery
Without the "exclusive remedy" protection that Workers’ Comp provides, an injured worker can sue you for "negligent supervision" or failure to provide a safe environment.
Protecting Your Homeowners Insurance
Many property owners assume their standard homeowners or commercial liability policy will cover a contractor’s injury. This is a dangerous misconception. Most residential policies explicitly exclude coverage for people working on the premises in a professional capacity. If an accident occurs, you might find yourself paying out-of-pocket for a six-figure medical claim.
A Mark of Professionalism
P4 Services Inc. carries Workers’ Comp and is a contractor that invests in its business and its people. It shows they follow state regulations and prioritize safety.
Pro Tip: Don't just take their word for it. Always ask for a Certificate of Insurance (COI). A reputable company will have its agent email it to you directly, ensuring the policy is active and valid.
Hiring an insured professional provides more than just clean windows—it provides the peace of mind that your assets are protected, no matter what happens on the ladder.
