(888) 900 0205Garage Door Installers Liability Insurance
Garage Door Installer General Liability Insurance policy covers the common risks faced by businesses in this trade. Whether it's damage to a customer's property or an injury caused by your work, this insurance can protect you from the financial burden of third-party claims. It typically covers expenses related to property damage, bodily injury, and legal defense costs up to your policy limits.
Is Garage Door Installer General Liability Insurance Required
In most states, general liability insurance is either required by law or strongly recommended for garage door installers. While the exact regulations vary, many local jurisdictions and licensing boards require proof of insurance before a business can legally operate.
Even if it’s not mandatory in your area, having this coverage can protect your business from costly lawsuits and can be a requirement if you're working with larger contractors or commercial clients.
What's Covered Under Garage Door Installer General Liability Insurance?
Garage door installer general liability insurance covers a wide range of incidents.
Here are some examples:
- Bodily injury: If a client gets hurt by tripping over your tools during a job, your policy would cover their medical expenses.
- Property damage: If you accidentally damage a customer's car or home while installing a garage door, your insurance can help pay for repairs.
- Legal fees: In case a lawsuit is filed against your business for covered claims, the insurance can cover legal defense costs and any judgments or settlements up to your policy limits.
Other Insurance Garage Door Installers Usually Carry
Garage door installers often carry additional insurance to fully protect their business. Common types include:
- Tools and Equipment Coverage: Protects the tools you rely on for installations.
- Auto Insurance: Covers work vehicles used to transport equipment and crew.
- Surety Bonds: Required in many states for licensing, especially for government contracts.
- Workers' Compensation: Covers medical expenses and lost wages if an employee gets injured on the job.
- Excess Liability: Provides extra coverage when a claim exceeds the limits of your general liability policy.
- Professional Liability Insurance: Protects against claims of negligence or faulty workmanship.