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.
This policy covers basic installation risks, such as accidental damage to a client’s furniture. Bundle it with commercial property insurance for savings in a business owner’s policy.
A business owner's policy, or BOP, is a cost-effective way for installation professionals to buy general liability coverage and commercial property insurance together.
Most states require workers' comp for installation businesses that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
Commercial auto insurance covers financial losses from an accident involving an installation company's vehicle. It also covers vehicle theft, weather damage, and vandalism.
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.
Cyber insurance helps cover the cost of data breaches and cyberattacks, such as the cost of notifying affected customers. It's sometimes called cyber liability insurance or cybersecurity insurance.
It’s easy to find insurance for your installation business, whether you’re a small business owner, contractor, or subcontractor.
Our application will ask you for your company's annual revenue and payroll, among other details. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your installation business, whether you specialize in fences, doors and windows, glass, siding, or other products.
Commercial property insurance doesn't cover items brought to job sites, which is why you may need installation floater insurance. This policy covers building materials and products while they are being installed by a contractor. It also protects materials in transit or temporary storage off-site.
Installation floater coverage helps pay for repair or replacement if materials are damaged by an incident such as vandalism, a 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.
Whether you need a license or permit depends on the type of work you do, along with the laws in your state. For instance, general contractors may need a license to install drywall or work as a plumber or electrician in certain states.
In order to get a license, you may need to take an exam or have experience in your field. For example, HVAC contractor licenses usually require proof of education or experience, a background check, an application fee, and successful completion of the state licensing exam. They also need to take a test to gain EPA certification to work with air conditioning coolants.
Other types of contractor’s insurance purchased by installers include:
Keep in mind that you may need endorsements for some specific coverages, such as earthquake and flooding.
The licensing, insurance, and bonding requirements for HVAC professionals vary by state. Having the right insurance and bonding can help keep you financially protected and may be required for some...