Does your insurance company know?

The Office Business
1

Curious how people are going about general liability in terms of add-on’s.

Went to my insurance company saying I was considering adding solar panel cleaning, and they came back with a quote of nearly double my window cleaning coverage. Then I was thinking that I had been cleaning mirrors, shower doors, etc. without informing the insurance company. Now I feel like if I told them I wanted to clean gutters, screen repair, my rates would go through the roof.

So I guess what I am getting at is, does your carrier know? The folks on here who offer many different services, are you guys paying really high insurance to do so?

2

Got to be upfront or why even have insurance.

If you don’t tell them you do solar panel cleaning and you damage a solar panel they’re not going to cover it.

2 Likes
3

They’re not going to cover it regardless, unless you have a care and custody rider.

General liability insurance is primarily to cover you if you injure a person not a building make sure your insurance covers what you think it does

5 Likes
4

Eh, my guess is that they’re assuming that you’re doing solar panel maintenance instead of just cleaning. I’m not sure I’d pay extra for it since ccc will exclude it anyway.

5

Interesting. I will look into this.

6

They have probably never insured someone for “solar panel cleaning” before and had to come up with a conservative (big $$$) policy.