(888) 900 0205Insulation Contractor Liability Insurance
Running an insulation business comes with its share of risks. Insulation Contractor Liability Insurance helps shield your business from some of those common problems, like third-party claims for injuries or property damage. If a customer trips on your equipment or accidental damage happens during installation, this policy can help cover legal fees, settlements, or medical costs up to the limits of your policy. ¹
We’ve specialized in insulation contractor insurance since 2007, backed by nearly two decades of experience in commercial insurance overall.
Most Popular Coverage For Insulation Contractors
What's Covered Under Insulation Contractor Liability Insurance
What exactly does Insulation Contractor Liability Insurance cover? Here are some examples:
- Third-party bodily injury: If a customer or vendor is injured on the job site, this can help cover medical expenses and legal fees.
- Property damage: If your insulation work accidentally damages a client’s property, this part of the policy can cover the cost of repairs or replacements.
- Completed operations: Even after a job is done, if something goes wrong later and causes injury or damage, this can help protect your business from claims.
Is Insulation Contractor Liability Insurance Required
It often depends on where you’re located and the type of projects you take on. Whether general liability is required depends on your state, license type, and contracts. Most states require workers’ compensation, not general liability, once you have employees. However, many project owners, general contractors and landlords will require you to carry general liability.
*Requirements change frequently and vary by state; this section is a general overview only and is not legal advice. Always confirm with your state licensing board or a licensed insurance professional.
What's Not Covered Under Insulation Contractor Liability Insurance
While insulation contractor insurance covers a lot, there are still things it doesn’t protect. For example:
- Employee injuries: If one of your workers gets hurt on the job, this wouldn’t be covered by general liability. You’d need workers' compensation insurance for that.
- Faulty workmanship: If the insulation you installed is poorly done and causes issues but without direct property damage, it’s likely this wouldn’t be covered under general liability. Errors and omissions (E&O) insurance would come into play here.
Other Insurance Coverage for Insulation Contractors
Besides general liability, insulation contractors typically carry a variety of other insurance policies to stay well protected:
- Tools & Equipment Coverage
- Commercial Auto Insurance
- Surety Bond
- Workers' Compensation
- Excess Liability
- Professional Liability Insurance (E&O)
For example, commercial auto insurance can help cover accidents involving your work vehicle, while tools & equipment insurance protects your gear from theft for example.
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