Business Insurance for
Garage Door Installers
Garage door installers provide important services to their customers. By installing garage doors, you help create a more secure home environment for the people who hire you. You worked hard to establish your business and gain new customers. Make sure to keep your business fully protected with the right types of business insurance.
General liability coverage is business insurance for your company that provides you with a broad level of protection. Additionally, it provides protection for your creamery customers and people who visit your business location. General liability pays for damages and injuries when accidents happen in various ways. The broad protection is helpful because it allows this coverage to expand as your company grows. This happens automatically so that you do not have to specifically add assets to your policy before they are covered. When you add a new store location for example, general liability automatically provides protection as soon as you acquire it. The same applies when you add new products or services at your existing premises. There are several important ways general liability helps protect you:
General Liability Insurance Includes:
- Premises Liability – Premises liability protects your garage door installation company when people visit your offices or retail location. It also provides protection for your jobsites while you’re performing the installations at a customer’s location. If a customer is injured physically on your business premises or jobsite, your premises liability insurance will pay for the cost of their medical care. This section of premises liability coverage also pays for repairs if your customer’s personal property is damaged at your business location.
- Products Liability – Your customers rely on you to select quality products to use for their garage door installations. When you sell products to your clients or charge them for the products you use to install their garage door, they may sue your company if problems arise due to those products. Products liability insurance pays for damages to personal property and bodily injuries that are caused by the products you sell. This coverage also helps pay for your legal defenses when needed.
- Completed Operations – Completed operations insurance protects you from lawsuits that arise after you have finished installing a garage door for a customer. If the customer feels that your services caused them harm, or damaged their property, then they may sue your company for restitution. Completed operations insurance helps pay for those damages or injuries, and pays for your legal defenses if necessary.
Business Owners Policy
General liability insurance is included by default as part of another type of important business insurance known as a business owners policy, or BOP. A BOP is ideal for small businesses because it gives you direct protection for your tangible and intangible business assets. This insurance is also excellent for small businesses because it is customizable, meaning that you can tailor it to fit your specific business coverage needs. For example:
- Buildings and Contents
- Business Income and Extra Expense
- Electronic Data
- Newly Acquired or Constructed Buildings
- Employee Dishonesty Coverage
Business auto insurance pays for damages and injuries that occur when you’re involved in an auto accident. This is important coverage for garage door installers because you drive frequently from one job location to another. Additional options can protect you from uninsured motorists, hit and run drivers and other potential hazards.
Workers comp insurance is often a requirement of law in most states of the nation. This business insurance will provide protection for your employees if they are ever injured while working. If the performance of their job activities causes them physical injuries or causes them to become ill, workers comp will pay for the medical bills and associated costs for recovery.