Window Cover Installer Insurance

General Liability Insurance For Window Cover Installers

For damage in the customer's home and the mounts after you leave.

General liability insurance may cover injuries to customers and damage your crews cause on site, a cracked pane from a slipped drill, a gouged floor under a dropped valance, and, critically for this trade, completed operations claims that surface after the job closes: the drapery rod or shutter panel that pulls out of the wall months later.

General liability can help pay for:

• Windows, frames, floors, and furnishings damaged during an install.
• Completed operations claims after the crew leaves, pullouts and falling hardware included.
• Customers injured around ladders, tools, and cords on the job.
• Legal defense, regardless of the merit of the claim.

Tools And Equipment Coverage For Installers

For the drills, levels, and the customer's product riding with them.

Tools and equipment coverage, written on an inland marine form, may cover your gear wherever the work goes, and an installation floater can pick up the customer's shutters and shades while they sit in your van or garage overnight, property your liability policy typically will not touch.

Tools coverage can help pay for:

• Theft of tools from vehicles, jobsites, and storage.
• Damaged or lost specialty gear and hardware.
• Customer product in transit and awaiting install, when scheduled on a floater.

Business Owners Policy For Window Cover Installers

For dealer installers with a showroom to protect.

A business owner's policy can bundle liability, property, and business income for qualifying operations at a package rate, which suits many installers who also run a showroom of samples and stock. Here is how a BOP works.

A business owners policy can help pay for:

• Third party injury and property damage claims.
• Covered losses to the showroom, samples, and stock.
• Lost income during a covered closure.

Also worth pricing as the operation grows: excess liability for builder and designer contract limits, commercial property for a product warehouse, employment practices liability, and the rest of our contractor programs as your trades expand.

A claim we saw a few years ago. A crew hung custom plantation shutters on a wide bay window, and five months later one panel tore its hinge screws out of the frame, fell, and cracked the sill and a lower pane of the customer's new windows. The lawsuit alleged that screws were undersized in soft framing. The installer's completed operations coverage defended and resolved the claim, and the crew's photos of the anchor points and hardware, taken at install, cut the argument in half. Coverage paid the damage, but the camera habit is what kept it small.