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 and fence 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.
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.
Seeing as you offer professional services just like EIFS contractors and 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.
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 for door installers, roofing contractors, and flooring contractors 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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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.
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.
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.
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 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.
| Cost per Month | Cost 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 Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $30 | $360 | Best overall; Fastest general liability insurance for door and window installers |
| CoverWallet | $33 | $396 | Door and window installation insurance quotes comparison online |
| Tivly | $37 | $444 | Comparing door and window installation insurance quotes over the phone |
| Hiscox | $40 | $480 | On-demand door installation insurance |
| Thimble | $42 | $504 | General liability insurance with worldwide coverage for door and window repair or installation technicians |
| The Hartford | $45 | $540 | Flexible, customizable business owner's policy |
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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.
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
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
Stable rates
Compare door and window installation insurance quotes online
Cancel your coverage anytime
Manage policies and pay premiums online
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
Compare door and window installation insurance quotes over the phone
A partner of reputable insurance companies
Responsive customer service
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
Quick to issue quotes
Commercial property and general liability insurance comes with a lot of perks
Choose policy limits and deductibles
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
Worldwide coverage
14-day money-back guarantee
Easy to get quotes
Get insured online or with the help of a representative
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'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
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
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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