We're coming up on that time of year again where you will see many "fly by night" individuals working the Grosse Pointes, trying to separate you from your money. These individuals or companies will want to clean your gutters, wash windows, do odd jobs or do virtually anything to make money.
What you have to be very careful of though is that very few, if any, recent or new companies have workers' compensation insurance. This is the insurance that protects the customer if a workman gets hurt on their property. More often than not, companies will advertise that they're insured, meaning they have liability insurance.
Liability insurance protects you if a workman damages something on your property but it does not protect you if that workman gets injured while working at your home.
To do business in the state of Michigan, companies must pay federal and state income tax, pay Social Security tax, have both workers' compensation insurance and liability insurance.
People of Grosse Pointe have always been very hard working, educated residents who do things the right way. There are many companies that follow all the rules. It will benefit you the consumer to do business with these companies. Require workmen to have their insurance company send you a workers' compensation certificate before they work on your property.
If you hire someone to clean gutters or wash windows (ladder work) who does not have this insurance because they can't afford it and they suffer a serious injury, just how long do you think it will take them to sue you for the cost of their injuries. I would imagine not very long.
Ask yourself this question, is the small amount of money you save really worth the risk you take?