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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.
Find affordable coverage
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 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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