Insurance for gutter installers.

General liability, workers’ comp, auto, and coverage for your seamless gutter machine, for gutter, downspout, and gutter guard installers on homes and commercial buildings.

What gutter installers usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Seamless gutter machine
Ladders and tools
Umbrella

Watch for these in a gutter policy

When gutters become roofingGutter guards tucked under shingles, fascia replacement, or any roof repair can push you into a roofing class, which many gutter policies exclude.
Story limitsSome gutter policies limit work to one or two stories. A three-story house or a commercial building may be outside the policy.
Downspouts at the foundationDownspouts that dump water against the house can lead to basement and foundation claims later. That is completed operations, and it is why careful installers carry every downspout away from the wall.
The gutter machineA seamless gutter machine rides in your trailer or truck bed. It needs its own equipment coverage, since auto insurance covers only the vehicle.
Gutter cleaningIf you also clean gutters, list it. Cleaning is sometimes rated as a maintenance class and may not be included on an installer’s policy.

What roofers, builders, and homeowners ask gutter installers for

Additional insured for the rooferRoofers who sub gutters to you usually require it for ongoing and completed operations.
Proof of workers’ compRoofers and builders need it, since your crew’s injuries can land on their policy if you have none.
Waiver of subrogationOn general liability and workers’ comp, when the roofer’s contract asks.

Questions gutter installers ask

Straight answers.

The questions we hear most, answered plainly.

Will a carrier treat me as a roofer if I install gutter guards?

Some will, if the guards go under the shingles or you repair roofing. Guards that clip to the gutter usually stay in the gutter class. Describe how you install them.