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Door & Window Installation Insurance: Quotes From $11/month

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!


For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

AND then, get even more quotes over the phone!icon

Speak with a Representative Now Call 866-929-3479

As a door and window installer, you are responsible for some of the most important finishing touches in a project. Similar to how the doors and windows you install protect the property against the elements, you want to stay proactive in protecting your business. 

You always face exposures just like drywall installers, fence installersalarm installers, fire alarm installers, siding installers, and glass installers

Suppose you fail to protect a client from getting too close to a window that's being sanded down on site, and particles of glass result in severe eye injury. What if one of your employees cuts themselves on a broken window and requires stitches?

These represent just a few scenarios that could take a financial toll on your business. Seeing as you can never really anticipate a lawsuit, it would be best that you invest in door and window installation insurance. 

Here are some of the commercial insurance policies that can be beneficial for your window and door installation business.

Door & Window Installation Liability Insurance

Preparing openings, hanging doors or windows in those openings, and installation of hardware, including hinges, knobs, and locks, can attract significant liability.

Suppose, for instance, the door or window you install doesn't protect the structure from weather-related damage. What if the hardware you install for a general contractor doesn't hold and the door or window falls over, causing bodily injury?

These situations could attract significant liability that could potentially take a toll on your finances as well as your reputation. Given just how much you could lose, it is best that you consider investing in door & window installation liability insurance.

As a door and windows installer, you should consider getting commercial general liability insurance. General liability insurance protects your business from claims of:

  • Third-party bodily injury- Consider this. What if a client visits the site to assess the job, but they trip and crash into a window that you're preparing for installation? If they were to sue, the general liability policy would cater to the legal and medical costs accrued following the incident.

  • Property damage-What if you accidentally make a hole in the drywall while installing a window or door? If the client was to sue and it was determined you were solely at fault, the general liability policy will cater to the cost of repairing the property damage.

  • Advertising injury-What if, in a bid to gain a competitive advantage, you poke fun at a competitor's business within your ad? If they were to sue you for advertising injury and you were obligated to settle the claim by the court, the general liability policy would meet these costs.


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Professional Liability Insurance for Door And Window Installers

Seeing as you offer professional services just like kitchen and bathroom fitters, it is best that you purchase professional liability insurance and include it in your window and door installation insurance program. This policy covers the following:

  • Alleged or actual negligence, including mistakes done during the job or failure to complete the job as stipulated within the contract

  • Legal defense costs

Professional liability insurance is available as a stand-alone policy. However, there are insurance companies that only offer this if you get general liability insurance. General liability and professional liability must be purchased together because they are complementary policies.

The minimum amount of coverage you get from professional liability insurance is $250,000-$2 million. It’s possible to get more if your business operations are very busy. However, you need to talk with the insurance company first.

Similar to general liability insurance, you can add subcontractors to your professional liability policy. In fact, in some cases, professional liability insurance already includes subcontractors as covered in its language.


Commercial Property Insurance for Door And Window Installers

This policy covers you from a loss due to covered perils, including fires, storm damage, theft, or vandalism. It covers the physical assets of the business, including your warehouse. If you cannot afford to repair or replace property directly linked to your business, you want to have commercial property insurance in place as a proactive measure.

Commercial property insurance might come with an equipment breakdown floater. This takes care of costs if the implements you use to install windows or doors get damaged because of theft, fire, vandalism, and other covered perils.

Business interruption insurance and employee dishonesty insurance might be offered as part of commercial property insurance too.

Employee dishonesty insurance reimburses losses if an employee commits social engineering, fraud, embezzlement, and other dishonest acts against you. On the other hand, business interruption insurance supplements lost revenues and help you pay operational costs if business operations are suspended due to renovation, relocation, economic crisis, and other covered perils.

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Workers Compensation Insurance for Door And Window Installers

If you have employees working with you, you ought to get workers' compensation insurance. This policy covers lost wages and medical expenses in the event that an employee is injured while on the job. 

This workers' compensation policy also protects your business because it comes with employer’s liability coverage. If the employee were to sue you, the policy would meet the legal costs as well as any settlements bestowed to you by the courts. 

 

Commercial Auto Insurance for Door And Window Installers

Chances are that as a door and windows installer, you have commercial vehicles, including box trucks or flatbed trailers, helping with the delivery of your equipment and merchandise. 

Because these vehicles are linked to your business, you ought to get a commercial auto policy. The latter covers you in the event that any of these vehicles cause damages or are involved in an accident. It also covers the drivers and pays the medical expenses in the event that they are hurt in an incident involving one of your commercial vehicles. 

 

Inland Marine Insurance for Door And Window Installers

What you find is that commercial auto policies will often not cover any damage to the cargo that you are hauling. And seeing as you are often going to be on the move between your workshop or warehouse and a client's property, it would be best that you consider getting an inland marine policy. The latter covers you in the event that your cargo is stolen, vandalized, or damaged during transport. It pays for the repairs or cost of replacement for all the damaged goods. 

 

Tools And Equipment Insurance for Door And Window Installers

This policy helps pay for repairs or replacement of your drills, wood planers, and other tools if these were to be lost, stolen, or damaged. This policy is best for equipment less than five years old, small tools, or equipment that moves to the job sites. 

 

Umbrella Liability Insurance for Door And Window Installers

Umbrella insurance- Also referred to as excess liability insurance, this policy covers you in the event that an accident exceeds the limits of your general liability policy. This policy protects you from paying out-of-pocket for any legal fees and awarded damages that exceed the primary policy. 

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Door & Window Installation Insurance Cost 


Cost per MonthCost per Year
General liability insurance$45$540
Professional liability insurance$58.91$706.92
Workers compensation insurance$56.83$681.96
Business owner’s policy$47.83$573.96

 

Door & window installation insurance cost $45 per month or $540 per year for a $1 million general liability insurance. This assumes that you have 5 employees and make $500,000-$750,000 per year.  It is prudent to point out that a smaller door and window installation business will pay less for insurance than a larger one. 

Carriers consider a few factors when determining how much your door and window installation insurance will cost. These include: 

  • Business revenue 

  • Policy limits and deductibles 

  • Size of your business 

  • Annual payroll 

  • Number of employees 

  • Your claims history 

  • Location of your business 

  • Types of insurance needed 

  • Business property and equipment 

  • Specific installation services offered 


Here’s another table showing the rates of the best door and window installation insurance companies:

 


Cost per MonthCost per YearBest for
NEXT$30$360Best overall; Fastest general liability insurance for door and window installers
CoverWallet$33$396Door and window installation insurance quotes comparison online
Tivly$37$444Comparing door and window installation insurance quotes over the phone
Hiscox$40$480On-demand door installation insurance
Thimble$42$504General liability insurance with worldwide coverage for door and window repair or installation technicians
The Hartford$45$540Flexible, customizable business owner's policy

 


Compare Cheap Door & Window Installation Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

AND then, get even more quotes over the phone!icon

Speak with a Representative Now Call 866-929-3479

Best Door & Window Installation Insurance Companies 

As you go out of your way to make sure that you are doing the very best work possible for your clients, you want to be sure that you are well-protected. This involves working with the best door & window installation insurance companies available.

To start your search, here's a list of insurance providers you should consider. Read some of the reviews below to know their pros, cons, and rate for a $1 million general liability policy. 


NEXT Door And Window Installation Insurance 

Pros

  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for door and window installers

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount

Cons

  • Couldn’t find any

NEXT’s door and window installer insurance program offers these policies. Pricing starts at $32 per month or $384 per year. 

  • Workers' compensation policy 

  • Commercial auto insurance

  • Tools and equipment insurance 

  • General liability insurance

  • Commercial property insurance


You have three coverage options to choose from-basic, premium, and deluxe. The basic coverage option is the cheapest. This only offers a general liability policy with  a $300,000 per occurrence and aggregate limit. 

Go for deluxe for the most comprehensive protection. You get $1 million professional liability and general liability insurance from this. By the way, in this coverage option, general liability comes with a $5,000 equipment breakdown floater.  Workers' compensation with employer’s liability insurance is also included. You can decide to add commercial property insurance and commercial auto insurance as optional policies. 

If you are a small door and window installation business looking for comprehensive coverage that you can manage digitally, then NEXT is for you. Soon as you upload digital copies of your business document, a quote will be prepared and delivered to your inbox. 

Best for: Best overall; Fastest general liability insurance for door and window installers 

Average cost: $30 per month 

Our rating: 10/10


CoverWallet Door And Window Installation Insurance

Pros

  • Stable rates

  • Compare door and window installation insurance quotes online

  • Cancel your coverage anytime

  • Manage policies and pay premiums online 

Cons

  • Not an insurance company but an insurance broker 

CoverWallet doesn’t have a door and window installer insurance program. However, you might get covered through its insurance program for all other professional, scientific, and technical service businesses. Policies available are general liability, workers compensation, professional liability,  commercial auto, cyber liability, and business owner’s policy. 

This company has an online quotes comparison tool. Use this to compare coverage options before getting covered. Just provide some basic business information. Once you’re covered, CoverWallet gives access to the MyCoverWallet app where you can manage policies and pay premiums online. 

Best for: Door and window installation insurance quotes comparison online

Average cost: $33 per month

Our rating: 10/10


Tivly Door And Window Installation Insurance

Pros

  • Compare door and window installation insurance quotes over the phone

  • A partner of reputable insurance companies

  • Responsive customer service

Cons

  • You need to call to get a quote 

Tivly covers you through its contractors insurance program. Policies available are general liability, professional liability, commercial auto, commercial property, and more. Call Tivly now to compare door and window installation insurance quotes over the phone. 

Best for: Comparing door and window installation insurance quotes over the phone

Average cost: $37 per month

Our rating: 10/10


Thimble Door Installation Insurance

Pros

  • Quick to issue quotes

  • Commercial property and general liability insurance comes with a lot of perks

  • Choose policy limits and deductibles

Cons

  • You can’t get commercial property insurance as a stand-alone policy 

Thimble only covers door installers. You can avail general liability and commercial property policies from this company’s  door work and installation insurance program. General liability insurance can be purchased as a stand-alone policy. 

On the other hand, general liability insurance is automatically bundled if you get commercial property insurance. 

Thimble allows you to choose deductibles and policy limits. Moreover, your general liability and commercial property insurance comes with additional perks. 

Best for: On-demand door installation insurance

Average cost: $40 per month

Our rating: 9/10


Hiscox Door And Window Installation Insurance

Pros

  • Worldwide coverage

  • 14-day money-back guarantee

  • Easy to get quotes

  • Get insured online or with the help of a representative

Cons

  • You need to call a representative to get other insurance products

Hiscox covers you through its door and window installation or repair insurance program. You only get a general liability policy from this, which has a $300,000-$2 million per occurrence limit. Waiver of subrogation and terrorism coverage can be included if you upgrade your general liability policy. 

Best for: General liability insurance with worldwide coverage for door and window repair or installation technicians

Average cost: $42 per month

Our rating: 10/10


The Hartford Door And Window Installation Insurance

Pros 

  • The Hartford's BOP includes business interruption insurance 

  • Policies are customizable to account for specific industry business needs 

  • A wide variety of insurance policies is provided to policyholders for a customized policy package

Cons

  • Doors and windows installation businesses in Alaska, Hawaii, and New Jersey are not covered 

  • The Hartford doesn't cater to businesses that need more than $2 million of coverage 

  • Prospective policyholders must work with an agent in order to complete a purchase 

The doors and windows installation package from The Hartford includes a business income policy, general liability insurance, and commercial property insurance. Policyholders can get a quote online. 

The Hartford's general liability insurance coverage has a limit of between $300,000 to $2 million. On the other hand, professional liability insurance limits range from $250,000 to $2 million. Policyholders have the option of customizing this policy to meet the specific business needs they have. 

For you to get an exact door and window installation insurance quote, you are required to provide information on your business, including your revenue, payroll estimates, business 

Best for: Flexible and customizable business owner's policy 

Average cost: $45 per month 

Our rating: 8/10


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