Insured Pros – Not Gig Workers

Mounting a TV in a luxury high-rise might seem simple, but the risks are anything but. Every week, residents trust “gig economy” platforms to find a handyman to install their new TV, only to discover the hard way that those workers often lack insurance, training, or proper credentials.

When something goes wrong in a high-rise, the consequences aren’t just a broken screen—they can include thousand dollar repair bills, liability claims, and even eviction notices.

The Risk of Hiring Uninsured Gig Workers

Marketplace gig workers typically do not carry general liability insurance. That means:

  • If a TV falls and damages drywall, flooring, or common areas, the building will hold the resident responsible.
  • If a water line or electrical chase is punctured during drilling, repair bills can climb into the tens of thousands.
  • Renter’s insurance rarely covers “damage caused by hired, uninsured workers.” Instead, the claim is denied, leaving the resident stuck with the bill.
  • In many cases, landlords and property managers view uninsured work as a lease violation. The result? A damaged apartment, uncovered costs, and potential eviction.

Why Buildings Require a Certificate of Insurance

ALL professional high-rise buildings and condominiums require contractors to present a Certificate of Insurance (COI) before they can even step inside.

A COI is proof that the company:

  • Has active general liability coverage.
  • Can absorb the cost of damages or accidents without shifting it to the resident.
  • Meets the building’s legal and compliance requirements.

Without it, the responsibility automatically shifts to the tenant. And in a luxury high-rise, even minor mistakes can come with a major price tag.

A Real High-Rise Example

Last year, a resident in a Boston high-rise hired a gig worker to mount a flat-screen TV. The installer drilled into the wall without checking behind it, puncturing a water line. Within minutes, water poured down into multiple units below, damaging hardwood floors, walls, and furniture. The repair bill exceeded $10,000.

When the resident filed a clai

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