Window and Door Installer Business Insurance

If you own a window and door installation business, don’t overlook the importance of commercial insurance. Window and door installer insurance protects your business in third-party lawsuits related to client injuries, worker injuries, property damage, and more.

No business owner anticipates a lawsuit. But accidents are always a risk, even if your workers adhere to all the right safety standards. What would happen if an employee cut themselves on a broken window and needed stitches? If you got into an accident in a work truck, could you cover the cost of repairs out-of-pocket?

Window and door installers face a number of risks on the job. However, window and door installer insurance can mitigate the financial risk of third-party lawsuits that can sometimes be incredibly costly. Here are some of the commercial insurance policies that can be beneficial for window and door installation businesses.

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General Liability

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Property Coverage

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Workers Comp

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Commercial Auto

General Liability

General liability insurance includes bodily injury liability coverage and property damage coverage. So, if a client got injured on a job site and needed medical attention, general liability insurance would cover their medical costs. It would also cover your legal defense in a third-party lawsuit related to accidental property damage. For instance, if a window is installed incorrectly and it causes water damage inside the building, insurance would cover it.

Workers Compensation Insurance

Workers compensation insurance protects your business and your employees if someone gets sick or injured on the job. This policy covers a variety of costs related to employee illness or injury, including medical expenses, lost wages, and temporary or permanent disability benefits. Workers’ comp is required in almost every state for businesses that have more than one employee, and you will likely need it before you can apply for a business license.

Commercial Auto Insurance

Most window and door installation businesses use a work truck or van to drive to job sites. In order to legally drive, you will need to purchase commercial auto insurance. This policy covers the driver’s legal fees if they cause an accident and get sued. It also covers the costs of bodily injury and property damage claims. Business owners have the option to get a full coverage business auto policy that includes physical damage coverage.

Surety Bond

If your window and door installation business deals with contracts, having a surety bond can come in handy. Surety bonds guarantee that your business will fulfill the terms of a contract with a client. If your business fails to uphold the agreement, your customer can get the surety bond. A surety bond is a fixed amount of money similar to a legal settlement, but there’s no lawsuit involved.

Excess Liability

Every insurance policy has a coverage limit. It’s the most amount of money that your insurance company will pay out in the event of a claim. For most window and door installation businesses, the basic liability coverage limits are sufficient. However, if you need additional protection, you might consider getting excess liability insurance. This policy will increase your liability coverage limit in increments of $1 million for more protection.

Window And Door Installer Business Insurance Cost

The cost of window and door installer insurance depends on a few factors. When you apply for a quote, the insurance company will look at where your business is located, how many employees you have, and how many insurance claims you’ve filed in the past.

Also, keep in mind that insurance policies are sold individually. The more policies you purchase, the higher your premium will be. In addition, your coverage limits and your deductibles will impact the cost. For window and door installation businesses, the average cost of commercial insurance starts at $25 per month.

Window and Door Installer Business Insurance FAQ

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

Why Do Window and Door Installers Need Insurance?

Window and door installers need insurance for a few different reasons. First, installation technicians face a variety of risks on the job, like injuries. There can also be property damage claims related to poor installation. In addition, some customers might only hire a window and door installation business that carries insurance, because it shows that the business is reliable and responsible.

What Are The Risks Facing Window and Door Installers?

During a window or door installation, a variety of things can go wrong, even if workers are following the right safety precautions. For example, a door frame could collapse and injure a worker. An improperly installed door could scrape up a client’s brand new hardwood floor. Installation workers are also at risk for repetitive use injuries, which could force them to go on temporary disability leave. Fortunately, window and door installer insurance will cover bodily injury and property damage claims.

Is Insurance a Requirement For Window and Door Installers?

Insurance might be a requirement for some window and door installation businesses. However, it depends on your location. Check with your state or local municipality to see if insurance is a requirement for a business license. Also, keep in mind that many landlords need to see proof of insurance before your business can rent an office or warehouse space.

How To Get Window and Door Installer Insurance

Before you purchase any commercial insurance policy, it’s important to look at your coverage needs. Every window and door installation business has different insurance needs, based on the number of employees you have, the types of jobs you work on, and the amount of risk you and your workers face.

Here are a few things to consider before you purchase window and door installer insurance:

Choose your coverages: There are lots of different insurance policies that can be beneficial for window and door installation businesses. However, you might not need every policy available to you. Choose your coverages strategically based on the nature of your business and the amount of risk you assume.

Pick a deductible: Many insurance policies require a deductible. The higher the deductible, the lower your premium will be. When selecting a deductible, make sure to choose an amount that you could comfortably afford to pay in the event of a claim.

Get multiple quotes: Most small business owners look for the most affordable coverage they can find. To get the cheapest premium, you should get a few quotes before you purchase a business insurance policy. Most insurance companies offer online quotes to simplify the process while you are shopping around.

Talk to an agent: As a business owner, you need to know exactly what your policy does and doesn’t cover, and how claims work. If you are buying commercial insurance for the first time, it’s a good idea to speak with an agent to review your policy and answer any questions you might have.

Are Monthly Payments Available For Window & Door Installers?

We offer easy monthly payment plans with most of the polices. Usually a down payment is required to start. Payment plans may include 9 or 10 monthly options depending on the qualifying business.

What Are The Penalties To Cancel My Insurance Policy?

USA Business Insurance Services doesn’t penalize customers for policy cancellations. When you cancel your Insurance, you are not required to pay penalties.