Those that do their due diligence will ask you for your GL insurance cert. But as far as needing it legally I don't think you would.
refinishing/ sanding hardwood floors
I live in a college town, lots of apts. Was thinking about trying to sand floors for landlords to make a little money on the side. Question is do i need some type of insurance to present to them to do so?? Any info is appreciated. Thanks
1 - 3 of 3 Posts
There are several risks you should be aware of. Mostly fire hazards.
-If you sand a bunch of fasteners and staples off a floor that is a lot of sparks going into a highly combustible bag of material. Do not leave bags of sawdust in the home or apartment building. Killing people is bad for business. Much better to have a fire in the back of your truck.
- If you stain a floor the stain often contains linseed oil which is exothermic (it reacts with oxygen and creates heat). A bundle of stain rags has burnt down more than one house. Stain rags go in a bucket of water. Period.
- Acid curing finishes can explode from sparks in electrical switches or pilot lights. They are more flammable than other coatings. Watch out and always read the can.
Shop your liability insurance - your quotes may vary by 300% depending on who you talk to and how you describe your operation.
-If you sand a bunch of fasteners and staples off a floor that is a lot of sparks going into a highly combustible bag of material. Do not leave bags of sawdust in the home or apartment building. Killing people is bad for business. Much better to have a fire in the back of your truck.
- If you stain a floor the stain often contains linseed oil which is exothermic (it reacts with oxygen and creates heat). A bundle of stain rags has burnt down more than one house. Stain rags go in a bucket of water. Period.
- Acid curing finishes can explode from sparks in electrical switches or pilot lights. They are more flammable than other coatings. Watch out and always read the can.
Shop your liability insurance - your quotes may vary by 300% depending on who you talk to and how you describe your operation.
1 - 3 of 3 Posts
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