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Why do door and window installers need business insurance?
If a window leaks and causes water damage or a customer's home is damaged during the install, your business could face a lawsuit. Protect your bottom line against legal fees, costly repairs, and medical bills with the right insurance policies for door and window installers.
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Door and window business owners can save money by comparing quotes from top insurance companies.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of insurance do door and window installers need?
These policies cover the most common risks of window and door installation.
General liability insurance
A general liability insurance policy covers basic third-party risks, such as damage to a client's property caused while carrying a door through a home. It's often required for a commercial lease.
BEST FOR
- Third-party medical payments and repairs
- Slander and other advertising injuries
- Product liability insurance
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for door and window installers to buy general liability coverage and commercial property insurance together.
BEST FOR
- Accidental damage to customer property
- Customer injuries
- Business property damage
Workers’ compensation insurance
Most states require workers' comp for door and window installation businesses that have employees. It also protects sole proprietors from work-related injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from work injuries
Commercial auto insurance
This insurance covers third-party injuries and property damage caused by door and window installation vehicles. Most states require it for vehicles owned by a business.
BEST FOR
- Property damage caused by a company vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Contractor’s tools and equipment insurance
This policy helps pay for repair or replacement of a door and window installation contractor's drills, wood planers, and other tools if they are lost, stolen, or damaged.
BEST FOR
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
Cyber insurance
Cyber insurance helps cover the cost of a data breach or cyberattack at your door and window installation business. It's sometimes called cyber liability insurance or cybersecurity insurance.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Looking for different coverage? See more policies.
How much does insurance cost for installation companies?
A contractor who installs windows independently will pay less for insurance than a larger business.
Factors that affect the cost of door and window installation insurance premiums include:
- Services you offer, such as the installation of windows, garage doors, or shutters
- Business property and equipment
- Business location and annual revenue
- Types of insurance purchased
- Policy limits and deductibles
- Claims history
- Number of employees
How do I get door and window installation insurance?
It's easy to get insurance as a door and window company or contractor if you have your business information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Insureon's licensed agents work with top-rated U.S. providers to find the best coverage for door and window installation businesses, whether you work independently or hire employees.
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FAQs about window and door installation insurance
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Am I required to get a certification or license for my door and window installer company?
Yes, in many states, door and window installers are required to obtain a general contractor license and a business license before they can legally operate. Depending on the type of work you do—such as large-scale commercial installations or specialized residential projects—you may also need to secure additional permits or trade-specific licenses.
While not always legally required, earning a professional certification as a window or door installer can greatly benefit your business. Certifications help demonstrate your expertise, ensure your work meets industry standards, and help build trust with potential customers.
For example, certified window installer programs often cover:
- Proper installation techniques for various window types
- Energy efficiency standards and weatherproofing
- Building code compliance
- Safety best practices on the job site
- Manufacturer-specific guidelines for maintaining product warranties
These certifications not only help reduce installation errors and callbacks but also signal professionalism and credibility, qualities that help you stand out in a competitive market. Even in states that don’t mandate certification, having one can give your business a significant edge.
What is installation floater insurance and why do door and window installers need it?
Standard commercial property insurance only covers tools, materials, and equipment while they’re at your primary business location. That creates a coverage gap for contractors who transport materials to job sites or install items at a customer’s property – especially for door and window installers, who often work offsite with valuable, fragile products.
That’s where installation floater insurance comes in. This type of inland marine insurance protects materials, supplies, and fixtures while they’re in transit, temporarily stored at a job site, or waiting to be installed. If custom windows are damaged during delivery or doors are stolen before installation, an installation floater policy can help cover financial loss, including the cost of replacement.
For door and window installers, this coverage is especially useful because:
- Windows and doors are often expensive and easily damaged
- Installations often happen offsite, where risks are harder to control
- Many jobs involve custom materials that are hard to replace quickly
Whether you're handling a residential remodel or a commercial build-out, installation floater coverage helps ensure that your business isn’t financially responsible for damage or resulting legal costs before the job is even complete.
What other insurance coverages do door and window installation companies need?
In addition to general liability and installation floater insurance, door and window installation companies often need several other insurance products as part of their insurance plan to fully protect their business from unexpected risks.
- Builder’s risk insurance, sometimes called course of construction insurance, covers damage to a structure under construction or renovation. If a fire, storm, vandalism, or theft affects the property while you’re installing windows or doors, this policy can help pay for repairs or replacement of materials and unfinished work.
- Commercial umbrella insurance provides extra protection by extending the limits of your existing liability policies. If a claim exceeds the limits of your general liability, commercial auto, or employer’s liability coverage, your umbrella policy can help cover the remaining costs. For installers working on high-value properties or commercial projects, this added layer of protection can be crucial.
- Products-completed operations coverage, also known as product liability insurance, protects your business after the installation is complete. If a customer claims your work caused an injury or damage to their property—such as a faulty window installation leading to water damage—this policy can help cover legal fees, settlements, or judgments.
Together, these policies help address the wide range of risks door and window installers face on the job and after a project is complete. Having the right combination of coverages can help safeguard your business and reputation.