The Hartford doesn’t offer gutter cleaning insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Gutter Cleaning Insurance?
Gutter cleaning insurance is made up of different types of business insurance coverages designed to help protect you from the common risks you might face on the job.
The right kind of insurance coverage can help protect your business from risks you face in the cleaning industry. The right policy can help cover medical expenses if you fall from a ladder or pay for repairs if a client's property is damaged by your crew. It can even help with legal fees if a customer files a lawsuit.
Common types of coverage that make up a gutter cleaning insurance plan include:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial auto insurance
- Professional liability insurance
Why Might You Need Gutter Cleaning Insurance?
Gutter cleaning insurance is a collection of coverages designed to help protect you from the risks that come with working on rooftops and climbing ladders. Accidents can happen in an instant. Whether you miss a step or a drop a tool onto a customer’s car, the challenges you face every day can lead to costly claims.
Gutter cleaning insurance can help protect your business from potential risks, like:
- General Liability: A customer sues after your ladder damages their siding during a job.
- Employee Injury: Your employee falls while cleaning gutters, requiring medical treatment and time off work.
- Business Interruption: A tree falls on your truck during a windstorm, and you have to cancel jobs until it’s fixed.
Who May Need Gutter Cleaning Insurance?
Business insurance can help protect many types of businesses that offer gutter cleaning services, such as:
- Gutter installation and cleaning companies
- Pressure washing businesses
- Roofing contractors
- Window cleaning businesses
- Landscapers
What Gutter Cleaning Insurance Coverages Might I Need?
When it comes to protecting your gutter cleaning business, you’ll want protection that matches your potential risks. Many gutter cleaning business owners start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from claims that can come up during normal operations:
General liability insurance helps protect your gutter cleaning business from claims that it caused bodily injury or property damage to others.
General liability insurance helps protect your gutter cleaning business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, equipment and supplies you rely on. These can include your:
- Ladders
- Buckets
- Personal protective equipment (PPE)
- Pressure washers
- Safety harnesses
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by fire, theft or wind.
It’s important to remember that a BOP won’t cover every type of claim you could face while cleaning gutters. You’ll need other types of coverage to create a well-rounded insurance plan, including:
Workers’ compensation insurance to give your employees benefits if they get a work-related injury or illness.
Commercial auto insurance to help cover claims of bodily injury or property damage from a car accident your business causes while you or an employee uses a company-owned vehicle for work.
How Much Does Gutter Cleaning Insurance Cost?
Although The Hartford doesn’t offer coverage for gutter cleaning businesses, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your cost:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of gutter cleaner insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific gutter cleaning business insurance costs,, get a free quote online through Tivly.
General Liability Insurance
“A customer said my crew scraped up their siding and threatened to sue if we didn’t replace it.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“A fire severely damaged our office building and the equipment we were storing there. We couldn’t operate for weeks and had to reschedule or cancel appointments.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if your business can’t operate because of property damage from fire, theft, wind or vandalism.
Workers’ Compensation Insurance
“One of my technicians slipped off a ladder while he was clearing out debris in a gutter. He had to go to the hospital for treatment and needed weeks of physical therapy to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“A customer sued my service technician and our business, claiming we incorrectly installed a downspout that caused water to seep into her basement and damage her belongings.”
Professional liability insurance helps protect your business from claims that it made a mistake in the services given. It can help cover your legal costs, including legal fees, judgments and settlements.
Commercial Auto Insurance
“My crew got to a customer’s house for a cleaning service when the driver accidentally backed the work truck into their garage door.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Contractors Equipment Coverage
“Our pressure washer broke halfway through a job, and we couldn’t finish until we found a replacement.”
Contractors equipment insurance is designed to cover damaged or missing contracting equipment. It can help pay to remove debris and clean up after an accident. It also helps cover losses due to theft and can even help pay the costs to expedite a project that is off schedule because of a covered loss.
Get a Quote for Gutter Cleaning Insurance Options
Choose comprehensive coverage that can help your business weather risks. Get a quote today through Tivly.
Last Updated: April 29, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed March 2026.
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023," viewed March 2026.
4 NIOSH, "About Motor Vehicle Safety at Work," viewed March 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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