Door and Window Installation Insurance
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Why do door & window Installers need insurance?
Door and window contractors are an essential part of the nation’s construction industry. You put some of the most important finishing touches on projects. While you’re helping protect properties from the elements, it might be time to start protecting your business too.
Door and window installation insurance is shorthand for different types of insurance protection available to door and window contractors. The coverage you choose could help protect you against common risks that you may face while running a small business.
Unexpected bills and lawsuits have the potential to ruin small businesses. Without insurance, you might be stuck footing the bill if something goes wrong. Door and window installation company insurance could help keep the cash flowing and your business growing.
What types of business insurance do door and window installers need?
Window and door installation contractors consider different types of insurance to meet their business needs. This may include coverage options like:
General Liability insurance protects businesses against the risk of third-party injury and property damage.
Could this happen to you?* You’re on a job site and accidentally knock over a ladder. Another contractor had left some tools on the ladder, and they were damaged in the fall. The contractor makes a claim against you. Sure, it was just an accident, but you could still be responsible for setting things right.
General Liability insurance helps door and window contractors pay repair and replacement bills if they damage someone else’s property. A policy may also cover medical bills if a third party is injured due to your actions or other compensation payments related to covered claims.
Workers’ Compensation insurance provides protection for employers if an employee suffers a work-related illness or injury.
If you have employees, it’s your responsibility to protect them while they’re at work. Workers’ Compensation insurance helps you take care of your staff by paying for things like:
- Medical and rehabilitation expenses
- Lost wages while they recover
- Disability support costs
- Funeral expenses (if they pass away)
Workers’ Compensation insurance is mandatory for window and door installation contractors in most states if you have one or more employees. Check your state or local government website for more information on workers’ comp requirements in your area.
What does door and windows installation insurance cover?
Door and window installation company insurance helps protect your small business against common risks. Depending on the types of coverage you choose, you may be covered for:
- Third-party property damage claims (General Liability)
- Third-party bodily injury claims (General Liability)
- Workplace injuries and illnesses (Workers’ Compensation)
Your policy documents will include a full breakdown of when you are and are not covered.
How much does insurance cost for an installation business?
Every business is different, and what makes your door and window installation business unique may impact your insurance costs.
Insurance companies use many factors to determine your premiums. This means that the amount you pay for door and window installation insurance may vary from the installer down the street. Some factors that may affect your insurance premiums include:
- Where your business is located
- Your annual revenue
- The number of people you employ
- The amount of coverage you choose
- Your claims history
When you compare multiple quotes from different insurers, you may be able to get a better idea of how much your door and window installation company insurance will cost.
How BizInsure helps door and windows installers
Running a door and window installation business is hard. BizInsure is here to make protecting it easier.
In as little as 10 minutes, you can find, compare and buy instant coverage for your business. The BizInsure site makes it easy to compare multiple quotes from A-rated insurers, so you can find the best coverage to fit your business needs.
Your policy documents are sent straight to your inbox—no waiting! We even have licensed agents on hand to help if you need it.
Join the over 25,000 small businesses using BizInsure to protect their livelihoods. Compare multiple quotes today and save!
The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
*The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Coverage for claims on the policy will be determined by the insurer, not BizInsure.
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