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Chandelier Installer Insurance

Many professional chandelier installers start out as solo entrepreneurs. Maybe you advertise these services in a local handyman forum, or maybe your business grew by word of mouth. As the business grows though, you need chandelier installer insurance to grow with it. This is insurance designed to shield your company when risks arise due to accidents that hurt people, damage property, or cause your employees to be injured. There are many other ways it protects your company too, so let's look at each.

General Liability

General Liability is the base level of insurance your company needs. Regardless of whether you install and service chandeliers for clients yourself, or you have a whole team of professionals working for you, accidents are bound to happen. And when an accident causes property to become damaged or destroyed--or worse, causes a person to become physically harmed--this coverage takes care of the costs that arise.

Claim Example: What's Covered?

  • A safety line slips while you're installing a chandelier and it falls, damaging the client's historical flooring.
  • One of your client's friends trips over your tools while you're working and requires medical care.
  • You accidentally damage another wall fixture while making repairs.

BOP Coverage for Chandelier Installers

Accidents can happen to property your business owns too. When your assets are damaged or destroyed--say from a fierce storm that causes flooding--you need coverage that repairs or replaces them. That's what a BOP, or Business Owner's Policy is for. It combines with your general liability and provides protection for all of the physical items your company owns.

Claim Example: What's Covered?

  • Someone breaks into your work van and steals expensive job tools and equipment.
  • Wires spark and a fire starts in your workshop, and the smoke damage ruins the lighting fixtures, tools, and office supplies you kept there.
  • Water leaks onto your inventory and damages it beyond repair. Your company is temporarily closed until the water damage is repaired and the inventory is replaced, but your BOP also covers that loss of income.

Workers' Compensation for Chandelier Installers

When you hire employees of any kind, you'll need workers comp insurance. Since this is mandated coverage in most of the country, you're required to carry it. It helps protect you and your employees though. When employees get hurt while working, the medical care bills can become quite large. This is particularly the case when the employee must go through rehabilitation, or if they're partially disabled from the injury. Without workers' comp, your company would have to pay for these things.

Claim Example: What's Covered?

  • One of your employees is installing a chandelier and the ladder breaks.
  • While an employee is performing maintenance, they get shocked severely by the electrical wires.
  • Whether these injured employees simply need hospital care, or they're disabled entirely, workers' compensation pays for the associated costs and pays them for the wages lost too.

What Else Do Chandelier Installers Need?

There are several other types of insurance your chandelier installation businesses may also benefit from, including:

  • Commercial Auto Insurance: Driving for business reasons is not covered under a personal car insurance policy. So even transporting employees to a client's location, you need this for them if there's an accident.
  • Professional Liability Insurance (Errors & Omissions): If a client claims you made a mistake, or that your workers provided poor quality services, you need this.
  • Excess Liability: When really large, expensive accidents happen, you may max out your general liability policy. This takes care of you above and beyond that max.
  • Inland Marine Insurance: Whether you store your tools and materials at job sites, or you transport them back and forth, this covers them when the need arises.
  • Cyber Liability Insurance: If your company is like most modern ones, you keep your client data stored digitally. You may even take payments online and store invoices in the cloud. Anything digital can be lost from file corruption, or stolen by hackers, and this protects you from those losses.

Frequently Asked Questions about Chandelier Installer Insurance

How much will I pay for coverage?

Your business operation is unique to you, and this will be reflected in your rates. Most new chandelier installers only pay a few hundred dollars each year at first, and that rises as your business grows.

Where can I buy it at?

Just contact the nationwide specialists at USA Insurance.

What is an additional insured endorsement?

Sometimes the work your company is doing puts others at risk. This makes sure they're covered by your company's insurance policy.

Do chandelier installers need workers' compensation insurance?

Yes, it's mandatory in most states if you have employees.

Is equipment theft covered under my insurance policy?

Yes, as long as you have inland marine or BOP coverage, then equipment theft is covered.

Does general liability cover accidental damage to client property?

Yes, accidental damages occurring during installations are generally covered.

What's the difference between general liability and professional liability?

General liability is to protect your company financially if it's held responsible for causing property damage, or bodily injuries. Professional liability is to protect you if you're accused of making mistakes, being negligent, or providing poor quality services.

Is insurance needed if I'm a sole proprietor with no employees?

Yes, insurance protects against potential liability claims and covers your valuable equipment.

Why Choose USA Insurance

Selecting USA Insurance for your chandelier installation business means choosing exceptional coverage and service:

  • 99% customer satisfaction—trusted by installation professionals nationwide.
  • Expert knowledge in providing tailored coverage for chandelier installers.
  • We're licensed in all 50 states but still offer personalized support.
  • USA Insurance works with chandelier installers like you across the country. We make sure you get rates that you can afford, the level of coverage you need, and payment plans that fit your budget. 

Contact us today and rest assured you'll get prompt claims handling if the time ever comes.

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