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Ihaveaboot t1_ir3xhc6 wrote

Reply to comment by Dredly in I don’t know if this is the right sub Reddit to post this but do I need a PA business license to go door to door with two of my friends and offer to clean their windows. If I do what type of license do I need and where should I go to get one. Any help is appreciated, thank you. by Equivalent-Club-5191

Even an "invited guest"? Which seems to me like the case here.

I had a friend break a leg at my property while helping me do some work. My USAA homeowners policy paid them (actually overpaid above and beyond my liability, then tried to recoup the overpayment).

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heili t1_ir560kw wrote

Your friend was helping you do something. That is not the same scenario as hiring a company to perform a specialized service.

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Dredly t1_ir5fw4c wrote

Exactly, insurance would cover injury to a friend on your property, or even a stranger die to negligence on your part, but a paid worker? Not so much

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heili t1_ir5gpyp wrote

People really don't understand why I say if you're hiring a service to clean your house, mow your lawn, wash your windows, etc... you make sure that they are a business and that they are insured for injuries and any potential damage that may happen in the course of them doing their work.

A while back my neighbors hired a company to do some work for them. During the course of that work, a pretty large piece of wood got away from them and it hit my deck breaking several boards. It was that company's insurance who had to pay to have my deck repaired, not my homeowner's insurance.

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