Dryer Vent Cleaning
The shortcut: Sell this as fire-risk mitigation backed by a written NFPA 211 inspection report, not as a cleaning service — landlords, property managers, and laundromats will pay you $300-$600 per unit because their insurance demands the paperwork.
Industry: Home Services
Investment level: Micro — $500-$2,000
Time to launch: 3-5 weeks
Best for: Anyone with a working vehicle, basic ladder comfort, and willingness to door-knock property managers and apartment maintenance supervisors. You need to be okay reading code references out loud to a customer and writing a one-page inspection report. What you'll likely make: $1.5-3K/month by month 3, $3-6K/month by month 6, $6-9K+/month by month 12 once you have two or three multi-family or laundromat accounts on a quarterly rotation. Math is in Section 4.
Market Opportunity
Homeowners think dryer vent cleaning is an optional maintenance upsell — until they learn that failure to clean is the leading single cause of dryer fires, and their insurance claim can be denied if they can't show the vent was maintained. That gap between "nice to have" and "I just got a renewal letter from my insurer asking for proof" is your entire opening.
The numbers behind the fear are real. NFPA tracks roughly 15,970 residential fires per year in the U.S. caused by dryers and washing machines, with dryers responsible for 92% of that total and "failure to clean" listed as the leading cause (NFPA dryer fire research). Insurance carriers know this. So do landlords, condo associations, and any laundromat owner who has had a claim.
Most one-truck operators in this space treat the job like housekeeping. They show up, run a brush, hand over a verbal "you're good," and leave. You're going to do the opposite. You're going to leave a one-page report that cites NFPA 211 (the standard governing dryer exhaust system installation and maintenance — see CSIA's reference page), notes airflow before and after, photos the lint pulled, and gets stapled into the building's compliance binder. That report is the product. The cleaning is the delivery method.
Launch With AI
Pro section. Dryer vent cleaning is an NFPA-211-paperwork-and-property-manager business — AI doesn't run a brush through a 50-foot duct or read a manometer. But the time you waste hand-typing the property manager pitch, drafting the inspection report template that goes into the building's compliance binder, and writing the door-hanger fire-risk copy is exactly the time you should spend on one more multi-family walk-in or one more CSIA C-DET study session. AI does the writing tail. You do the work that pays — Tuesday morning at 9am with a borescope and 12 condo units.
The trap most first-year vent cleaners fall into: they paste a generic "spring cleaning" pitch into ChatGPT and ship it on door hangers. AI confidently writes "deep clean your dryer vent — fresh airflow + odor-free laundry" — which lands in the same Groupon-tier audience that pays $79 and never converts to commercial. The real money is property managers + insurance carriers asking for an NFPA 211 inspection report, and the door hanger has to lead with fire risk + the report, not "spring cleaning." AI is for the writing tail (NFPA 211 inspection report template, property manager cold-walk, door-hanger fire-risk copy, CSIA C-DET cred display, annual renewal nudge) — but every airflow-reading judgment, every "I won't certify this vent without seeing the termination" call, every property-damage incident response is yours.
Important up-front: AI cannot read a manometer, identify the soft duct that's about to puncture under a brush head, or have the conversation with the laundromat owner about why his 8 dryers need a quarterly rotation not an annual one. It will also confidently miss the NFPA 211 / NFPA 54 cross-reference that an insurance adjuster looks for — and that's the entire trust signal. You own every reading, every report citation, every adverse-event response; AI scales the writing and the prospecting around them.
AI Tools You'll Use
| Tool |
Price |
What it does |
| ChatGPT (free or Plus) |
$0-$20/mo |
Property manager pitch, NFPA report template, door-hanger fire-risk copy, annual renewal |
| Canva (free) |
$0 |
NFPA-211 inspection report layout, fire-risk door hangers, CSIA C-DET 1-pager |
| Jobber Copilot (built into Jobber Core) |
included $29/mo |
Auto-summary of jobs, photo-per-job documentation, COI auto-fill, Net-15 invoicing |
| Google Business Profile + ChatGPT |
free |
Review replies, "fire-risk inspection" weekly post, before/after lint pull cross-post |
| Loom AI (free) |
$0 |
"Here's what 18 months of lint looks like" diagnostic videos for property managers |
The Workflow
NFPA 211 inspection report template + airflow log (ChatGPT + Canva, ~30 min one-time setup). The report is the product. Paste:
"I'm a CSIA C-DET-track dryer vent cleaner in [city]. The single biggest differentiator from $79 Groupon shops is leaving a written NFPA 211 inspection report at every job. Build me the report template I print 100 copies of and use on every visit (delivered via Jobber email + paper copy in the home/building file): (a) the report header — customer address + date + job number + my CSIA C-DET cert # (or 'in progress' until I pass) + my insurance proof line + my contact, (b) the system inventory — dryer brand + age + termination type (sidewall / roof / under-eave) + estimated duct length + number of elbows + interior duct material (rigid metal compliant per NFPA 211 vs. flexible foil non-compliant), (c) the airflow measurement — pre-clean static pressure (manometer reading in inches of water column) + post-clean static pressure + improvement %, (d) the photo evidence — Jobber attaches 4 photos per job: 1 lint pulled (proves I cleaned), 1 termination hood (clear/blocked), 1 interior duct (any soft duct flagged for replacement), 1 manometer reading (proves the airflow data), (e) the NFPA 211 compliance citation — which sections of NFPA 211 the system meets/doesn't meet (e.g., 'NFPA 211 Section 7.2.1 requires rigid metal duct — current install uses flexible foil, recommend replacement at next service'), (f) the recommendations — re-inspection frequency (residential annual, multi-family quarterly, laundromat monthly), any non-compliant findings I flag for the homeowner's HVAC contractor or the building's facilities team, (g) the absolute don'ts: NEVER claim 'fire-proof' (impossible), NEVER recommend without citing the NFPA section, NEVER skip the airflow data (it's the only objective proof of work). Tone: senior CSIA-track tech + NFPA 211-aware. Output paste-ready as a Canva 1-page report template + the airflow log spreadsheet I track over time."
The NFPA report is what wins the property-manager bid + the insurance-adjuster call-back. Use it on every single job.
Property manager + laundromat cold-walk batch (ChatGPT + Canva, ~45 min one-time setup). Multi-family + laundromats = the entire commercial growth path. Paste:
"I'm a dryer vent cleaner in [city]. I want 1-2 multi-family or laundromat accounts on quarterly rotation by month 4 (each = $1,500-$5,000/visit × 4 visits/year = $6K-$20K/year of recurring revenue). Build me the cold-walk package for 5 walk-ins/week: (a) the prospect list — multi-family complexes with 50+ units (apartment maintenance supervisors), laundromats with 6+ dryers (owner-operators), senior living facilities (facilities managers), condo HOAs with shared laundry rooms (board secretary), (b) the in-person walk-in pitch I deliver Tuesday-Thursday between 10am-2pm with my CSIA cred (or 'in progress'), my NFPA 211 sample report, my COI: 'hi, I'm [name] from [my brand] — CSIA-track dryer vent cleaner. NFPA tracks 15,970 dryer fires/year, dryers are 92% of laundry-equipment fires, failure to clean is the leading cause. Your insurance carrier may require an NFPA 211 inspection report on file — I leave a written one at every job. Bid for your building/laundromat would be $300-$600/unit on a quarterly rotation. Want me to do a free baseline inspection of one unit + write you the report?,' (c) the leave-behind 1-pager (Canva: my CSIA badge, my sample NFPA 211 report, my insurance proof, my pricing tiers, my contact + Calendly), (d) the 5-day phone follow-up to the maintenance supervisor ('hi, [my name] from [my brand], dropped by last week — wanted to confirm you got my sample inspection report. Want me to do a free baseline this Tuesday?'), (e) the post-baseline conversion email ('Here's the baseline NFPA 211 report on Unit 4B — the system has [N] inches of static pressure indicating [Y]% airflow loss. Recommend cleaning + 2-year rotation. Bid for all [N] units = $X. Reply Y to schedule'), (f) the absolute don'ts: NEVER offer below $300/unit on multi-family, NEVER promise fire prevention (you reduce risk, you don't eliminate), NEVER skip the COI proof (every commercial customer wants it same-day). Tone: confident neighbor + senior CSIA-track tech. Output paste-ready."
Walk in 5 properties/week. One signed multi-family relationship = $20K+/year of recurring revenue from one document.
Door-hanger fire-risk copy + neighborhood targeting (ChatGPT + Canva, ~30 min/500 hangers). Door hangers are the entire residential top-of-funnel. Paste:
"I'm a dryer vent cleaner. Build me the fire-risk door-hanger I drop in older single-family neighborhoods (built before 2010 — older homes have older vent runs, higher non-compliance rate): (a) the targeting — 3-5 zip codes in my metro with the densest single-family homes built 1985-2010 (Zillow + Google Street View confirms — older homes likely have flexible foil duct violating NFPA 211 + longer vent runs prone to lint accumulation), skip apartments (those go through the property manager pitch), (b) the front-side copy — hero placeholder for a clear photo of pulled lint (the 'shock value'), big headline 'Has your dryer vent been inspected to NFPA 211?' NOT 'Spring cleaning special,' price '$140-$175 inspection + cleaning + written report,' my CSIA logo + phone, (c) the back-side copy — 4 bullets (NFPA 211 compliance check, manometer airflow reading before + after, written inspection report your insurance may require, CSIA C-DET certified) + a 'why now' line ('NFPA: 15,970 dryer fires/year, leading cause = failure to clean — your last cleaning was when?') + my Google review QR code, (d) the trim spec (4.25 x 11 standard hanger size for Vistaprint), (e) the absolute don'ts: NEVER 'we'll prevent fires' (you reduce risk, never claim prevention), NEVER 'spring cleaning' framing (lands the wrong audience), NEVER 'limited time only' false urgency. Tone: confident neighbor + NFPA-aware. Output paste-ready Canva front + back design + the 5-zip-code targeting brief."
Order 500 from Vistaprint (~$80). Walk Saturday afternoons. Convert at 0.5-2% — that's 3-10 calls + 2-5 close at $150 each = $300-$750 from one Saturday.
CSIA C-DET cred display + insurance-adjuster trust signal (ChatGPT, ~20 min one-time setup). CSIA C-DET is the credential insurance adjusters look for. Paste:
"I'm working on my CSIA C-DET certification (Certified Dryer Exhaust Technician — exam covering NFPA 54 + NFPA 211, 80% to pass, 3-year renewal). Build me the cred display + insurance-adjuster trust package: (a) the website / Google Business Profile cred block — CSIA logo + my cert # (once earned) or 'CSIA C-DET — exam scheduled [date]' (proves I'm in progress, not just claiming it), my certification scope ('NFPA 54 fuel gas codes + NFPA 211 chimney/dryer exhaust standards'), my renewal date (3 years from pass), (b) the truck/van decal placement — CSIA badge prominent on the rear quarter panel (every truck I drive past becomes a billboard for the credential), (c) the insurance-adjuster outreach script for any post-fire dryer cleanup ('hi [adjuster name], I'm [name] — CSIA C-DET-certified, cert # [X]. I do post-fire dryer vent restoration + write the NFPA 211 inspection report your file needs. Want to add me to your approved-vendor list? Here's my COI + sample report'), (d) the 1-paragraph 'why CSIA matters to you' explainer for residential customers ('Your insurance carrier may deny a dryer-fire claim if you can't show maintenance records. CSIA C-DET is the credential adjusters trust — my report becomes your maintenance record'), (e) the absolute don'ts: NEVER claim CSIA cert until I've passed the exam, NEVER skip the cert # on any official communication (it's verifiable on csia.org). Tone: senior CSIA-track tech. Output paste-ready as Canva website + truck decal + insurance-outreach email templates."
The CSIA cred is the difference between $79 Groupon competition and $400 commercial bids. Schedule the exam in week 1.
Annual renewal nudge + Google review reply (Jobber Copilot + ChatGPT, ~15 min/month). Residential dryer vent cleaning is annual — but only if you remind them. Paste:
"I'm a dryer vent cleaner with [N] residential customers + [N] commercial accounts. Generate (a) the annual renewal text I auto-fire from Jobber 11 months after every residential cleaning ('hi [first name], it's been 11 months since your last dryer vent inspection at [address] — NFPA 211 recommends annual inspection. Want me to schedule your re-cleaning + write the updated insurance-ready report? My next opening is [date]'), (b) the quarterly renewal text for commercial accounts ('hi [first name], [my brand]'s quarterly rotation at [property] is due [date] — I'll arrive Tuesday at 9am, expect 2 days for [N] units, deliver written reports + invoice Net-15. Reply Y to confirm or R to reschedule'), (c) the post-cleaning Google review ask (3 hours after every job — 'hi [first name], hope the airflow improvement on your dryer feels good — load times should be 15-25% faster now. If you loved the work + the inspection report, would you mind dropping a 5-star Google review? Takes 30 seconds: [direct link]'), (d) the GBP weekly post for 'dryer vent cleaning [my city]' SEO ('CSIA C-DET-certified dryer vent cleaning + NFPA 211 inspection report in [city] — your insurance adjuster's preferred vendor format. Booking residential + multi-family now'), (e) the 1-line check-in text I send to any commercial account that hasn't responded to renewal in 14 days ('hi [first name], your quarterly rotation is past due — want me to send a reminder report or just schedule for [date]?'). Tone: warm friend + senior CSIA-track tech. Output paste-ready Jobber automation templates."
Annual renewal nudge converts at 30-40% = $40-$60/customer/year of recurring residential MRR. The commercial quarterly nudge is even higher.
Time Saved Per Week
Roughly 3-5 hours/week once your NFPA report template, property manager package, and door hangers are built:
- NFPA 211 inspection report template: 1-time setup → reused on every job
- Property manager / laundromat cold-walk: 1-time setup → reused on every walk-in
- Door-hanger fire-risk copy: 1-time setup → reused per print run
- CSIA cred display + insurance-adjuster outreach: 1-time setup → updated when cert earned
- Annual renewal + Google reviews: 1-time setup → fires automatically
Trade that time for: 5 more property manager / laundromat walk-ins, the CSIA C-DET study session (compounds into +$100/job pricing power), and the Saturday-morning Nextdoor post in any zip code with recent storm damage (drives emergency calls).
Total AI Stack Cost
- Budget tier ($29/mo): Jobber Core ($29) + ChatGPT free + Canva free + Loom free + Google Business Profile. Right while you're under 5 active jobs/month.
- Full tier ($49/mo): Add ChatGPT Plus ($20). Worth it the day you sign multi-family relationship #1 — quarterly recap quality + insurance-adjuster outreach quality jumps materially with GPT-4.
- Compare: A part-time bookkeeper for property manager outreach + annual renewals + review replies runs $300-$600/month. The full AI stack is one-tenth that cost.
Cancel anything you don't open in a 7-day window. Skip Thumbtack — at $5-$50/lead in this category, the math doesn't work for $140 residential tickets.
Your First Win
30 minutes from now your NFPA 211 inspection report template is built and laminated for the truck dashboard — every job gets one starting Monday. Open ChatGPT (free tier works). Paste:
"I'm a CSIA C-DET-track dryer vent cleaner in [my city]. The single biggest differentiator between me and the $79 Groupon shops is leaving a written NFPA 211 inspection report at every job — that report is what wins the property-manager bid + what insurance adjusters look for after a dryer fire. Build me the 1-page NFPA 211 inspection report template I print 100 copies of + use on every visit (residential + commercial) starting Monday: (a) the report header — customer address + date + job number + my CSIA C-DET cert # (or 'CSIA C-DET — exam scheduled [date]' if pre-exam) + my insurance proof line ('General Liability $1M, Commercial Auto, COI available on request') + my contact, (b) the system inventory section — dryer brand + model + age (years), termination type (sidewall / roof / under-eave / shared exhaust stack), estimated duct length (feet), number of elbows + bends, interior duct material (rigid metal = NFPA 211 Section 7.2.1 compliant / flexible foil = non-compliant + recommend replacement / semi-rigid metal = compliant if properly secured), (c) the airflow measurement section — pre-clean static pressure (inches of water column from manometer reading) + post-clean static pressure + improvement % calculation + interpretation ('above 0.5 inches WC = significant restriction / 0.3-0.5 = moderate / below 0.3 = minimal'), (d) the photo evidence section — placeholder for 4 photos: 1 pile of lint pulled (proves I cleaned), 1 exterior termination hood (clear vs. blocked), 1 interior duct close-up (any soft duct flagged for replacement), 1 manometer reading display (proves the airflow data), (e) the NFPA compliance findings — citing specific NFPA 211 sections for any non-compliance (e.g., 'NFPA 211 Section 7.2.1 requires rigid metal or semi-rigid metal duct — current install uses flexible foil duct, recommend replacement before next cleaning'), (f) the recommendations — re-inspection frequency (residential annual / multi-family quarterly / laundromat monthly), any non-compliant findings flagged for the homeowner's HVAC contractor or building's facilities team, my next-availability date for the renewal, (g) the customer + tech signature lines, (h) the absolute don'ts: NEVER claim 'fire-proof' or 'fire prevention' (you reduce risk, you don't eliminate), NEVER recommend a frequency without an NFPA section citation, NEVER skip the airflow data (it's the only objective proof of work that an insurance adjuster will accept). Tone: senior CSIA-track tech + NFPA 211-aware + lawyer-conscious. Output paste-ready as a Canva 1-page report template I print 100 copies of + a 1-page airflow tracking spreadsheet I keep over time per customer."
Set it up Sunday afternoon. Print 100 copies + start using it on every job Monday. The report is what justifies $140-$175 instead of the Groupon shop's $79 — and it's the entire trust signal that wins commercial property manager + laundromat bids worth $20K+/year each.
Product / Service Offering
You will offer three things and resist the urge to add more in year one.
Residential dryer vent inspection and cleaning ($125-$175 per visit). Includes airflow reading, full duct brushing from outside termination back to the appliance, lint removal, exterior vent hood check, and a written inspection report citing NFPA 211 compliance status. Add $40-$60 if the dryer needs to be pulled and reset.
Multi-family and commercial vent cleaning ($300-$600+ per unit, often bid as a building-wide contract). Apartment buildings, condos, dorms, and senior living facilities. Longer duct runs, roof or wall terminations, sometimes shared exhaust stacks. You bid the building, schedule a two-to-four-day window, and bill on completion.
Chimney sweep upsell (year two, after you earn the CSIA C-DET credential). The same body that certifies you on dryer exhaust — CSIA — also certifies chimney sweeps. Once you're credentialed for both, every residential customer who has a fireplace becomes a $200-$400 second visit in the fall.
Don't add air duct cleaning. The equipment is different, the sales pitch is different, and the margin per hour is worse. Stay in the safety-compliance lane.
Revenue Model
You are billing for time on site plus the credibility of the report. A solo operator can complete 4-6 residential jobs per day or 8-15 multi-family units per day depending on building layout.
| Path |
Visits / month |
Avg ticket |
Gross |
Less materials & vehicle (~12%) |
Take-home |
| First $1.5K month — residential only, 1-2 jobs/day |
12 |
$140 |
$1,680 |
-$200 |
~$1,480 |
| First $3K month — residential + 1 small multi-family |
18 res + 8 units |
$140 / $400 |
$5,720 |
-$686 |
~$5,030 |
| Steady state — 2 commercial accounts on rotation |
20 res + 25 units |
$150 / $425 |
$13,625 |
-$1,635 |
~$12,000 |
The real lever is not more residential jobs. It's getting one apartment building or laundromat on a quarterly rotation. Twelve units cleaned every three months at $400 each is $4,800 of locked-in revenue per cycle, before you even pick up the phone for residential work.
Residential lead cost via Thumbtack runs $5-$50 per lead in this category (Thumbtack pricing). Don't build your business there. Use it to fill calendar gaps in months one and two while you door-knock the commercial side.
Startup Costs
You can start this business for under $2,000 if you already own a small vehicle and a shop vac with HEPA filtration.
- Rotary brush kit (Gardus LintEater or equivalent): $50-$80
- Commercial-grade dryer duct brush extension set (40-60 ft): $150-$250
- Cordless drill (if not owned) and backup battery: $120-$180
- HEPA-filtered shop vac (16+ gallon): $200-$350
- Manometer or anemometer for airflow readings: $80-$150
- Inspection camera/borescope: $80-$200 (this is what makes your report believable)
- Ladders (6 ft step + 24 ft extension): $200-$350
- Tarps, drop cloths, lint bags, basic hand tools: $75-$125
- Branded magnetic vehicle signs: $60-$100
- First batch of door hangers (500 pieces) and yard signs (10): $80-$150
- General Liability insurance (first year): $300-$800 via Hiscox or Next Insurance
- LLC filing + EIN: $35-$500 depending on state (LLC University 50-state table); EIN itself is free at IRS EIN Online.
The CSIA C-DET certification — your differentiator — costs roughly $200-$400 for the exam and study materials, and you can sit it within your first 60 days. Renewal is every three years.
Legal & Formation
Business entity. Form an LLC the day you book your second paying customer. Sole prop is fine for the first month while you confirm the work feels right, but the moment you're climbing ladders on someone else's property you want personal-asset separation. State filing fees range $35-$500 (LLC University). Get your EIN free at the IRS site directly — never pay a third party. Open a separate business checking account the same week.
Licenses & sales tax. Dryer vent cleaning sits in a regulatory gray zone in most states — it's typically not licensed as a contractor trade, but a handful of states and many cities require a general business license or home-services registration. Check Contractors-License.org and NASCLA for your state's rules. Whether the service itself is sales-taxable also varies — some states tax cleaning services, some don't, some draw the line at residential vs. commercial. Call your state department of revenue before you invoice your first commercial account.
Industry-specific risk. Your single biggest legal trap is property-damage exposure when something goes wrong on a roof or behind a wall. Dryer ducts run through framed cavities, sometimes with old or damaged transition material, and a brush hitting a soft duct can punch a hole drywall doesn't show. Carry a $1M General Liability policy from day one and document airflow readings plus interior photos before you start every job. The CSIA Certified Dryer Exhaust Technician (C-DET) credential — exam covering NFPA 54, NFPA 211, and residential plus commercial systems, 80% to pass, three-year renewal — is what you put in your written report and on your invoices to make the report credible to insurance adjusters (CSIA C-DET).
Marketing & First Customers
Your first ten customers come from one of three places: door hangers, Nextdoor recommendations, or property managers you walked into.
Door hangers cost $0.05-$0.15 per piece. Drop 500 in single-family neighborhoods built before 2010 (older homes have older vent runs, more likely to need cleaning). Expect 0.5-2% response, so 3-10 calls per drop. Lead with the fire-risk angle, not the "deep clean" angle. Your hanger should say "Has your dryer vent been inspected to NFPA 211?" not "Spring cleaning special."
For commercial, walk in. Apartment maintenance supervisors, laundromat owners, senior-living facility managers, and condo association property managers are your ideal customers. Bring a one-page leave-behind that lists the NFPA fire statistic, your CSIA credential (or "in progress"), and a sample inspection report. Don't ask for the work on the first visit. Ask who handles vendor approvals and what their insurance carrier requires for vent maintenance documentation.
Yard signs at every completed residential job drive 2-5% follow-on calls in the same neighborhood. Referral fee of $50 cash or a free service to anyone who sends you a paying customer.
First 90 Days
- Week 1: Form LLC, get EIN, open business checking, buy domain matching your business name.
- Week 1-2: Order rotary brush kit, borescope, manometer, HEPA shop vac, and basic tool kit. Print 500 door hangers and 10 yard signs.
- Week 2: Get General Liability quote from Hiscox or Next Insurance and bind a $1M policy before your first paid job.
- Week 2-3: Register for the CSIA C-DET exam; begin self-study from the NFPA 211 and NFPA 54 reference materials.
- Week 3-4: Drop your first 500 door hangers and book 5-10 residential jobs. Build a one-page written inspection report template you'll hand to every customer.
- Week 4-6: Walk into 20 property management offices, apartment complexes, and laundromats with your leave-behind. Target: 2 follow-up meetings, 1 small bid.
- Week 6-8: Sit and pass the CSIA C-DET exam. Update truck signage, invoices, and report template to display the credential.
- Week 8-12: Land your first multi-family or laundromat account. Target metric by day 90: $3,000+ revenue month, with at least one recurring commercial account on a quarterly rotation.
Common Pitfalls
Treating it like duct cleaning. Air duct cleaning has different equipment, different margins, and different customers. Don't try to be both in year one — stay in the dryer-and-chimney lane and own it.
Skipping the written report. A verbal "you're good" makes you a handyman. A one-page NFPA 211 inspection report with airflow readings and photos makes you the vendor an insurance adjuster will call back. The report is the moat — write one for every job, even residential.
Pricing residential too low to chase volume. Cleaners who charge $79 specials work themselves into exhaustion and never get to commercial. Hold $125-$175 residential and walk away from price shoppers — your margin lives in the commercial accounts you don't have time to land if you're chasing $79 calls.
No insurance until "things get serious." A brush punching through a soft duct in a third-floor condo wall is a five-figure repair. Bind General Liability the week you take your first paid job, not the week after your first claim.
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