Why is insurance a must for door and window installers?
If a door or window is improperly installed and causes damage to a home, your business could be held accountable. Having the right door and window installer insurance coverage will help protect you from legal fees, costly repairs, medical bills, and claims of negligence.
Get the right insurance
6 insurance policies every door and window installer should consider
General liability insurance
A general liability insurance policy protects door and window professionals against legal expenses related to client property damage and injuries. It's often required by commercial leases and contracts.
- Client bodily injuries
- Damaged customer property
- Advertising injury and copyright lawsuits
Business owner's policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It's often the most cost-effective type of business insurance for door and window installation businesses.
- Accidental client injuries
- Accidental damage to client and business property
- Libel, defamation, and copyright lawsuits
Workers' comp insurance
Most states require companies with employees to carry workers' comp to cover medical bills and lawsuits from on-the-job injuries. In some states, sole proprietors in construction must have this policy.
- Medical expenses from work injuries
- Disability benefits
- Lawsuits from workplace accidents
Commercial auto insurance
Window and door installers with business-owned vehicles must carry commercial auto coverage to comply with state laws. It helps cover financial losses in an accident, including legal costs and property repairs.
- Auto accident injuries
- Auto accident property damage
- Vandalism of a company vehicle
Contractor's tools and equipment
A type of inland marine insurance, business tools and equipment insurance protects your equipment wherever you bring them, whether they're with you in transit to the next job site, or stored off-site.
- Equipment that is less than five years old
- Items valued at under $10,000
- Tools that travel to installation projects
Professional liability insurance
This policy covers lawsuits related to an installer's mistake, poor recommendation, or other accusation of professional negligence. It's also referred to as errors and omissions insurance or E&O insurance.
- Advice that causes financial loss
- Breach of contract
- Errors and oversights
Door and window installation insurance costs
Here's a quick look at the average costs of common door and window installer insurance policies purchased by TechInsurance customers:
General liability: $83 per month
Business owner's policy: $50 per month
Workers' compensation: $228 per month
Factors that can influence a construction contractor's insurance premium include:
- Types of door and window installation services offered
- Number of employees you have, including subcontractors
- Types of insurance purchased
- Coverage limits, deductibles, and other coverage options (e.g., endorsements)
- Claims history
Start a free application to see how much insurance will cost for your business.
Why door and window installers choose TechInsurance
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Common questions about business insurance for door and window installation contractors
Review answers to frequently asked questions about door and window installation business insurance policies and more.
Do door and window installers need a license or certification?
Many states require window and door installation companies to acquire the appropriate certifications for the services and products they offer (such as residential, commercial, impact, rolling steel, etc.), as well as their business license. Additionally, local governments at the county or city level might have their own requirements.
Even when not required, pursuing certifications or a business license can be extremely beneficial to a door and window installation company.
Being a licensed and certified contractor can help you stand out from the competition, gain client trust, and acquire contracts for larger jobs. It shows you've mastered the skills to perform the installation competently and do a good job.
Does installation floater insurance protect door and window installation equipment?
Typically, a standard commercial property insurance policy will not cover items brought to job sites. This means your door and window installation business will likely need installation floater insurance.
This policy provides coverage for door and window install materials and products—such as doors, windows, moisture barrier, and nails—during the installation process. It also protects them while they're in transit to the job site or temporarily stored off-site.
Installation floater coverage can help pay for the repair or replacement of business materials that are damaged by vandalism, fire, or a storm. This type of inland marine coverage provides crucial protection for installers who work at their clients' homes, offices, and construction sites.
What other insurance policies do door and window installers need?
General liability insurance or workers' compensation insurance provide crucial financial protection against common risks and work-related injuries, but don't cover all perils a door and window installation professional may face.
Door and window businesses, including sole proprietors and independent contractors, should also consider the following types of coverage:
Builder's risk insurance protects window and door installers and other construction contractors who are working at a structure under construction, along with their materials. It's sometimes called course of construction insurance.
Commercial umbrella insurance boosts the coverage of your general liability, commercial auto, and employer's liability insurance once the policy limit is reached.
Products-completed operations coverage provides protection against lawsuits alleging your completed door or window installation damaged a client's property or caused them an injury.
