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Why do door and window installers need business insurance?
If a faulty seal leaks and causes water damage, your business could face a lawsuit. Protect your business against legal fees, costly repairs, and medical bills with the right insurance policies for door and window installers. State laws and contracts may require you to have coverage.
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Door and window installers can compare quotes from top-rated providers with Insureon's easy online application.
Find coverage that matches your needs and your budget with help from our licensed insurance agents.
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 accidental damage that happens when a new door is carried into a client's home. It's often required for a commercial lease.
BEST FOR
- Client injuries during an installation project
- Accidental damage to client property
- Libel and other advertising injuries
Tools and equipment insurance
This policy covers a door and window installer's saws, drills, wood planers, and other tools brought to jobsites. It's also called inland marine insurance.
BEST FOR
- Caulk guns, drills, putty knives, and glass suction cups
- Scissor lifts and other equipment
- Personal protective equipment (PPE)
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
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
Professional liability insurance
Professional liability insurance helps pay for legal defense costs if a door or window contractor is accused of professional negligence. It's also called errors and omissions insurance (E&O).
BEST FOR
- Incorrect brands or materials
- Failure to meet a deadline
- Poor workmanship
Looking for different coverage? See more policies.
How much does insurance cost for door and window installation contractors?
A contractor who installs windows independently will pay less for insurance than a larger business.
Average door and window installation insurance costs include:
General liability: $83 per month
Tools and equipment: $14 per month
Workers' compensation: $228 per month
Insurance providers will consider the type of work you do, the size of your business, and other factors when calculating your costs.
What factors affect the cost of door and window installation insurance?
Here are some of the top factors that determine insurance premiums during the underwriting process:
- Services you offer. Your insurance rates depend on the type of installation work you do, such as windows, garage doors, or shutters.
- Business property and equipment. Expect to pay more to insure an office building and expensive equipment than a smaller setup.
- Number of employees. A larger workforce brings a higher risk of employee injuries and accidents, which raises the cost of workers' comp, general liability, and similar policies.
- Business location. Regional factors, such as crime rates, population density, healthcare costs, and property values, affect how much you pay for insurance.
- Annual revenue. Increased business revenue is associated with higher risks and more frequent claims, which results in higher insurance costs.
- Policy limits and deductibles. Policies with higher limits cost more but cover more expensive claims. Choosing a higher deductible can lower your premium, but your insurance won't activate until you pay the full amount.
- Claims history. It'll cost more to insure a business that has filed an insurance claim in the past than one that has a clean history of claims.
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 (COI) 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 your door and window installation business. Gain financial protection and peace of mind knowing you're protected against the most common risks in your industry.
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
Working with heavy doors and fragile glass on client properties brings a high risk of a costly claim. Installers need to protect themselves against client lawsuits, theft of tools and materials, and other incidents where out-of-pocket costs could be difficult for a small business to absorb.
– Jason Zander, Commercial Lines Insurance Producer, Insureon
FAQs about window and door installation insurance
Review answers to frequently asked questions about insurance and licensing for door and window installers.
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 contractor license and a business license before they can operate legally. Depending on the type of work you do—such as large-scale commercial installations or small residential projects—you may need to secure permits or trade-specific licenses.
For example, licensed Florida contractors need to carry general liability insurance, while there's no liability insurance mandate for Texas contractors. Your region may have other requirements related to severe weather. Florida, for instance, requires impact-resistant, hurricane-rated windows in the coastal areas most prone to hurricanes.
General contractors, homeowners, and other project owners may also require you to have a license, or proof of insurance or a bond. Sometimes you'll need to produce a certificate of insurance (COI) quickly to get started on a project.
While it's not always required, a professional license or certification as a window or door installer can greatly benefit your business. They can help demonstrate your expertise, ensure your work meets industry standards, and build trust with potential customers.
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 jobsites or install items at a customer’s property—especially for door and window installers, who work offsite with valuable, fragile products.
That’s where installation floater insurance comes in. This type of inland marine insurance covers prehung doors, prefabricated windows, metal, wood, and other materials while they’re in transit or at a jobsite. If a door is damaged during delivery or glass is stolen from a truck, an installation floater policy can help cover the cost of replacement.
For door and window installers, this coverage is especially useful because:
- Windows and doors are expensive and easily damaged.
- Installations 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 damages before the job is even complete.
Why is tools and equipment insurance important for door and window installation businesses?
General liability insurance covers accidental damage to items that belong to others, while commercial property insurance covers business property at your primary location. Door and window contractors need special protection for business property that travels with them.
Contractor's tools and equipment insurance, also called inland marine insurance, provides financial compensation for stolen, destroyed, and damaged items—wherever they go. Because contractors work on-site at various locations, this policy is crucial if you want to protect your valuable tools and equipment.
Tools and equipment insurance covers:
- Caulk guns
- Drills and other power tools
- Putty knives
- Glass suction cups
- Gloves, goggles, and other protective gear
Mobile property faces a higher risk of theft or damage than property that stays at one location, which is why it needs additional coverage. You may need to list items valued over $2,500 as separate scheduled items on the policy.
What other insurance coverages do door and window installation companies need?
Door and window installation companies often need other insurance products to fully protect their business from unexpected risks, both on the job and after a project is complete.
Here are some additional types of coverage to consider:
- Hired and non-owned auto insurance (HNOA) provides liability protection for personal vehicles driven for work purposes. It also covers leased and rented vehicles used for business.
- Commercial umbrella insurance boosts coverage on your general liability, commercial auto, or employer’s liability coverage once the limit is reached. For installers working on high-value properties or commercial projects, this added layer of protection can be crucial or even required.
- Products-completed operations coverage, also known as product liability insurance, covers financial losses if a customer claims your work caused an injury or damage to their property, such as water damage from a faulty window installation. It's usually included in general liability insurance.
- Business interruption insurance, also called business income insurance, provides reimbursement for lost income and day-to-day operating expenses if your business is forced to close temporarily due to a burst pipe or other covered property claim.
- 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.
- Builder’s risk insurance, sometimes called course of construction insurance, covers damage to a structure under construction or significant renovation. If a fire, storm, vandalism, or theft happens at a worksite, this policy covers the cost of the affected structure or materials.
- Employment practices liability insurance (EPLI) pays for legal costs related to claims of unfair hiring practices, wrongful termination, and other violations of employee rights.
How do I find cheap insurance for door and window installation contractors?
Installation contractors and businesses can save money on insurance by comparing quotes from different providers. With Insureon, you can get free quotes from top-rated insurance companies by filling out our easy online application.
Other ways to save money include:
- Bundle policies. Small business owners can often buy general liability coverage and commercial property insurance together in a business owner's policy, which costs less than buying these policies separately.
- Customize your policies. Choose lower coverage limits or a higher deductible to reduce your premium, but make sure your policy can still cover a potential claim.
- Avoid accidents and claims. Door and window installation businesses can prevent employee injuries and customer accidents that lead to claims by implementing a strong risk management strategy that includes employee training and strict enforcement of safety protocols.
Insurance premiums are often tax deductible, which can help you save money during tax season.
Our expert agents can help you find the right insurance solutions for your budget and your business needs, whether you install windows in homes or tackle larger commercial projects.