Installation Professionals Business Insurance

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Recommended insurance policies for installation professionals

Whether you install ceilings, floors, or anything in between, an accident could lead to a devastating lawsuit. Insureon helps installers secure policies that match your unique risks.

General liability insurance icon

General liability insurance

This policy covers basic installation risks, such as accidental damage to a client’s home. Bundle it with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for installation that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers accidents involving an installation company's vehicle. It also covers vehicle theft, weather damage, and vandalism.

  • Accidents involving company vehicles
  • Theft of a company vehicle
  • Vandalism or weather damage to a vehicle
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

A type of inland marine insurance, this policy covers repair or replacement of an installation contractor's tools and equipment if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment, such as circular saws
  • Small tools, such as hammers, wrenches, and trowels
Looking for different coverage? See more policies.

How much does insurance cost for installers?

Installer calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Installation services offered, such as HVAC
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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