Insurance is one of those things that doesn't matter at all — until something breaks, and then it's the only thing that matters.

What Insurance Actually Covers

If a window cracks during cleaning, a ladder damages your siding, or something goes wrong on your property, liability insurance is what covers the cost of fixing it — without it, you're relying entirely on the company's goodwill (or your own homeowner's insurance, which shouldn't have to absorb someone else's mistake).

Why This Matters More for Height Work

Second-storey windows, skylights, and anything requiring a ladder or extension pole carries more inherent risk than ground-floor work. Insurance matters more, not less, as the job gets more complex.

How to Confirm It

Just ask directly: "Are you insured?" A legitimate company will answer clearly and, if asked, can usually provide proof. Hesitation or vagueness is worth treating as a red flag.

The Bottom Line

Insurance is cheap peace of mind compared to the cost of an uninsured mistake landing entirely on you.

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