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.
Door and window business owners can save money by comparing quotes from top insurance companies.
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These policies cover the most common risks of window and door installation.
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.
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.
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.
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.
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.
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.
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:
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:
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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Review answers to frequently asked questions about insurance for door and window installers and more.
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:
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.
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:
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.
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.
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.