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Why do siding installers need insurance?
Whether you install vinyl siding or do home siding repair, your work involves a lot of risk. A worker could fall off a ladder, or a homeowner could sue over water damage. Business insurance protects your siding company's bottom line from legal bills, medical payments, and costly repairs.
Find the right coverage
Insureon helps siding contractors and businesses find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage.
What types of insurance do siding contractors need?
These policies provide coverage for common risks of siding installation.
General liability insurance
A general liability policy covers legal costs from third-party property damage and injuries, such as a customer who trips over a stack of siding. It may be required for a commercial lease, loan, or contract.
BEST FOR
- Customer bodily injuries
- Customer property damage
- Product liability insurance
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for siding 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 siding installation businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal defense costs
Commercial auto insurance
This insurance policy covers the cost of accidents involving a siding company’s vehicle. It’s required in most states for business-owned vehicles.
BEST FOR
- Liability coverage for injuries
- Physical damage caused by the vehicle
- Vehicle vandalism and theft
Contractor’s tools and equipment insurance
This property insurance coverage helps pay for repair or replacement of a siding contractor’s power saws and other tools if they are lost, stolen, or damaged.
BEST FOR
- New siding equipment (or less than five years old)
- Mobile equipment
- Small tools
Cyber insurance
Cyber insurance helps cover the cost of a data breach or cyberattack at your siding 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 installers?
A small business with a few workers will pay less for insurance than a large company.
Factors that affect premiums include:
- Installation services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get siding contractor insurance?
It's easy to get siding business insurance, roofing insurance, and sheet metal business insurance if you have your company information on hand. Our application will ask for basic facts about your company, 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. insurers to find coverage that fits your siding business, whether you work independently or hire employees.
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