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 (COI)
ALLprofessional 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.
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 claim, their renter’s insurance denied coverage—because the damage was caused by an uninsured contractor. The tenant was forced to pay the costs out of pocket, and their lease was later terminated for violating building policy.
The Mr Home Guy Difference
At Mr Home Guy, we understand the stakes. That’s why every project includes:
- Fully insured, certified, and trained professionals – no gig workers.
- Transparent, posted pricing by territory – so you know exactly what you’re paying for.
- Experience in high-rise environments – we’ve mounted over 15,000 TVs since 2017 without passing liability to a resident.
- COI available upon request – and in fact, most buildings already have our COI on file and not only know us, they recommend us.
- We are proud to say we have NEVER had an insurance claim in 15 years.
When you hire Mr Home Guy, you’re not just getting a TV mounted—you’re getting protection, compliance, and peace of mind that gig workers simply can’t offer.
Bottom Line
In a high-rise building, hiring uninsured gig workers isn’t saving money—it’s gambling with your lease. Protect yourself, your home, and your wallet by hiring insured professionals who can provide a COI.
Because when it comes to high-rise living, cheap labor is expensive liability.
Book a trusted pro today at www.mrhomeguy.com.