Proof of Insurance
Here in Massachusetts, it is common for small service providers to claim they are "Fully Insured" while being less than fully insured. It's a deceptive business practice.
Upon inquiry, they'll say things like, "I have all the insurance I'm required to have!" And while that may be true, it's also deceptive. Here's why:
"Fully Insured" implied that a business has covered itself against the major forms of risk which the business can be expected to encounter. For a mobil service such as an exterior cleaning company, these risks primarily include : damage done to or by the work vehicle on the way to the job site; damage to the customer's property; or damage to the workings doing the job. So, in the exterior cleaning industry, "Fully Insured" necessarily implies that the business is covered with commercial auto insurance, liability insurance, and worker's compensation insurance. In the roof cleaning industry, worker's compensation insurance is the expensive and critical one.
Now, here's the sneaky twist: In Massachusetts, the state requires that all employees be covered with workers compensation insurance... but not the business owner. At the same time, most small exterior cleaning services are run by the owner, who does the dirty work with the assistance of an employee or two. So a small mom-and-pop, owner/operator roof cleaning company can tout themselves as being "fully insured" even while the guy doing the work isn't covered at all. He's on the ladder, on the roof, in harm's way, on your property.... and not covered with insurance to protect him in case of an injury from an accident.
As I previously wrote about, our backlog is just getting longer and longer. As of today - September 20 - autumn is full and I'm have 6 jobs scheduled for the springtime. Most homeowners don't want to wait that long, and so they keep calling around. And this past week, a homeowner called me back to tell me that another cleaning service which advertised itself as "fully insured" couldn't produce a certificate of insurance when it was requested. They decided to wait for me for springtime.
Happily, the state of Massachusetts offers a free way to check on in a company's workers comp coverage. Type in a company's name and city/town, and viola!... you can see the status, as reported by licensed workers’ compensation insurance carriers. Here's the link. Having used it a little, I'm startled to see how many local cleaning companies do not have workers comp insurance.
TL/DR: Most owners of small cleaning companies do not cover themselves with workers compensation insurance. If they're hurt on the job, this can spell trouble for you the homeowner. You can double-check their coverage (and honesty) here. It's a good idea.









