Garage Door Installer Insurance: Cost & Quotes From $25/mo

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Public car parks don’t offer much protection against theft. A garage provides the safest place to protect a car against theft and the weather. Nonetheless, having a garage is useless if it can easily be broken into. Garage door installers assemble and attach the roller, sectional, and counterweight doors clients need. 

Protect your garage door installation business with comprehensive insurance coverage. Garage door installer insurance offers various policies to safeguard your operations and assets. Investing in these insurance policies can mitigate financial losses when you damage a CCTV camera and the client files a claim. Explore different insurance options and find the best coverage for your garage door installation business.

General Liability Insurance for Garage Door Installers

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


This garage door installer insurance protects your business against third-party claims for bodily injury, property damage, and advertising injuries. With coverage limits ranging from $1 million to $5 million, this policy offers financial protection in case of accidents or incidents related to your business operations. Some situations where general liability insurance can help include:

  • Accidental property damage during installation or repairs

  • Slip and fall accidents at job sites

  • Advertising injuries such as libel or copyright infringement

Add-Ons to General Liability Insurance for Garage Door Installers

  • Equipment and tools coverage–Protects your valuable equipment and tools used for garage door installation against theft, damage, or loss

  • Completed operations coverage–Extends coverage to completed projects, protecting any potential issues arising from previous installations

Professional Liability Insurance for Garage Door Installers

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500


Professional liability insurance, or errors and omissions insurance, protects you against negligence claims, errors, or omissions in your professional services. This policy covers legal defense costs and damages resulting from professional mistakes. Coverage limits usually range from $500,000 to $2 million. Situations where professional liability insurance can help include:

  • Incorrect measurements or design leading to improper installations

  • Failure to secure permits or comply with building codes

  • Allegations of professional negligence or poor workmanship

Does Professional Liability Insurance Cover Claims Arising From Faulty Garage Door Installations?

 Professional liability insurance primarily covers claims related to professional negligence, errors, or omissions in your services. While it can cover some aspects of faulty installations, reviewing your policy for specific coverage details and exclusions is essential.

Is Professional Liability Insurance Necessary if I Have General Liability Insurance?

Professional liability insurance is essential, even if you have general liability insurance. General liability insurance primarily covers bodily injury, property damage, and advertising injuries, while professional liability insurance focuses on claims arising from professional mistakes or negligence. Having both policies ensures comprehensive coverage for your business.

Compare Cheap Garage Door Installer Insurance Quotes Online

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Commercial Property Insurance for Garage Door Installers

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance is a policy that protects the physical assets of your garage door installation business, including buildings, equipment, inventory, and furniture. Coverage limits for commercial property insurance can vary based on the value of your property and assets. Typical coverage limits range from $100,000 to $5 million.

This insurance can help in the following situations:

  • Fire damage to your office or warehouse

  • Theft or vandalism of equipment or inventory

  • Damage caused by natural disasters like storms or earthquakes

Add-Ons to Commercial Property Insurance for Garage Door Installers

  • Business interruption coverage–Provides financial support for lost income and operating expenses if your business is temporarily unable to operate due to a covered event

  • Equipment breakdown coverage–Covers the repair or replacement costs of machinery and equipment damaged due to mechanical or electrical breakdown

Does Commercial Property Insurance Cover Losses Due to Business Interruption Caused by a Pandemic?

Business interruption coverage under commercial property insurance usually applies to specific covered events such as fire or natural disasters. Unfortunately, most standard policies do not cover losses from a pandemic, including business interruptions due to COVID-19. It’s important to review your policy or consult with your garage door installer insurance provider for any specific pandemic-related coverage options available.


Business Owner’s Policy for Garage Door Installers

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


A BOP combines general liability and commercial property insurance into a single package, offering comprehensive coverage for small businesses like garage door installers. Coverage limits for a BOP generally range from $1 million to $3 million, depending on your business’s size and needs. This insurance can help in the following situations:

  • Third-party bodily injury or property damage claims

  • Damage to your business property due to covered perils

  • Legal expenses related to covered lawsuits or claims

Add-Ons to Business Owner’s Policy for Garage Door Installers

  • Accounts receivable coverage–This endorsement covers financial losses resulting from the inability to collect payments from customers due to unforeseen circumstances like damage to your records or loss of vital financial data. It can help safeguard your cash flow and mitigate the impact of non-payment or non-collection of receivables

  • Employment practices liability insurance–Covers legal costs associated with claims related to employment practices, such as wrongful termination or discrimination

Can a Business Owner’s Policy Cover Injuries to Subcontractors Working for My Garage Door Installation Business?

A Business Owner’s Policy generally provides coverage for employees of your business, but it may not automatically cover subcontractors. Reviewing your policy and discussing it with your garage door installer insurance provider is essential to determine if subcontractor coverage can be added or if separate insurance, such as workers’ compensation, is required to protect subcontractors while working on your projects.


Tools and Equipment Insurance for Garage Door Installers

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


This garage door installer insurance policy provides coverage for the tools, machinery, and equipment used in your installation business. The insurance protects your valuable assets against theft, damage, or loss. Coverage limits for tools and equipment insurance can vary based on the value of your equipment, ranging from $10,000 to $100,000 or more. This insurance can help in the following situations:

  • Theft or vandalism of tools and equipment from your vehicle or job site

  • Accidental damage to tools and equipment during installation or transportation

  • Loss of tools and equipment due to fire, natural disasters, or other covered perils

Add-Ons to Tools and Equipment Insurance for Garage Door Installers

  • Inland marine coverage–Extends coverage to tools and equipment while they are in transit or temporarily stored off-site

  • Equipment rental reimbursement–Covers the cost of renting replacement tools and equipment if yours are damaged or stolen

Does Tools and Equipment Insurance Cover Theft From an Unattended Job Site?

Tools and equipment insurance typically provides coverage for theft, including theft from an unattended job site. However, coverage may be subject to certain conditions and security measures, such as locked containers or secured premises. It’s important to review your garage door installer insurance policy and follow the recommended security practices to ensure coverage in case of theft.


Commercial Auto Insurance for Garage Door Installers

This is a policy that covers vehicles you use for business purposes, such as vans, trucks, or other vehicles used by your garage door installation business. Coverage limits for commercial auto insurance depend on factors like the value of your vehicle and the type of coverage you choose. The limits range from $100,000 to $2 million. This insurance can help in the following situations:

  • Accidents involving your commercial vehicles resulting in property damage or bodily injury to others

  • Damage to your commercial vehicles due to collisions, theft, or vandalism

  • Liability coverage for bodily injury or property damage caused by your business vehicles

Add-Ons to Commercial Auto Insurance for Garage Door Installers

  • Hired and non-owned auto coverage–Extends coverage to vehicles that you hire or vehicles owned by employees used for business purposes

  • Umbrella insurance–Provides additional liability coverage beyond the limits of your commercial auto policy, offering extra protection in case of significant accidents or lawsuits

Does Commercial Auto Insurance Cover Personal Vehicles Used Occasionally for Door Installation Business Purposes?

This insurance is designed to cover vehicles used primarily for business purposes. If you occasionally use your personal vehicle for business-related activities, you should discuss this with your insurance provider. Some insurers may offer endorsements or options to provide coverage for personal vehicles used for business, but it’s essential to clarify the specific terms and conditions with your garage door installer insurance provider.


Workers Compensation Insurance for Garage Door Installers

Workers compensation insurance provides coverage for work-related injuries or illnesses suffered by employees of your installation business. This insurance helps cover medical expenses, lost wages, and rehabilitation costs for injured employees. Coverage limits for workers compensation insurance vary by state regulations and the size of your business. This insurance can help in the following situations:

  • Accidents resulting in bodily injury while installing or repairing garage doors

  • Occupational illnesses caused by exposure to hazardous materials or repetitive tasks

  • Lost wages and medical expenses for employees injured on the job

Add-Ons to Workers Compensation Insurance for Garage Door Installers

  • Return-to-work program–This add-on focuses on helping injured employees return to work as soon as possible after an injury or illness. It may include rehabilitation services, modified work arrangements, and vocational training to facilitate their recovery and successful reintegration into the workforce

  • Employee assistance program (EAP)–An EAP add-on provides employees with access to counseling services, mental health support, and resources to address personal challenges that may affect their well-being and productivity. It can contribute to a healthier and more resilient workforce

What Should I Do if an Employee Refuses to File a Workers Compensation Claim for an Injury?

It’s crucial to communicate the importance of reporting injuries promptly. Explain the benefits of workers compensation and emphasize that it’s a legal requirement. If the employee continues to refuse, consult with your legal counsel and workers compensation insurance provider for guidance on handling the situation.


Excess Liability Insurance for Garage Door Installers

Excess liability insurance, also known as umbrella insurance, is a policy that provides additional liability coverage beyond the limits of your underlying garage door installer insurance policies. This insurance supplements other primary liability policies, such as general liability or commercial auto insurance. Coverage limits for excess liability insurance typically start at $1 million and can go up to $10 million or more. This insurance can help in the following situations:

  • Large-scale accidents or lawsuits where the damages exceed the limits of your primary liability coverage

  • Legal defense costs associated with significant liability claims

  • Protection against reputational damage and potential financial ruin due to high-dollar liability claims

What Factors Should I Consider When Determining the Appropriate Coverage Limit for Excess Liability Insurance for Garage Door Installers?

When determining the coverage limit for excess liability insurance, it’s crucial to consider various factors, including the nature and size of your garage door installation business, the potential severity of claims or lawsuits you could face, and the value of your business assets. Assessing your risk exposure, consulting with an insurance professional, and reviewing your underlying policies’ limits can help determine an appropriate coverage limit. It’s important to strike a balance between adequate coverage and affordability, ensuring your business is sufficiently protected against significant liability risks.

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Garage Door Installer Insurance Cost 

Cost per Month Cost per Year Deductible
General liability insurance $42 $504 $0-$500
Professional liability insurance $53 $636 $1,000-$2,000
Commercial property insurance $68 $816 $1,000-$2,000
Business owner’s policy $85 $1,020 $1,500
Tools and equipment insurance $45 $540 $500-$1,000
Commercial auto insurance $59 $708 $500-$1,000
Workers compensation insurance $97 $1,164 $2,500-$5,000
Excesss liability insurance $61 $732 $500-$1,000


A $1 million general liability insurance is $42 per month or $504 per year. The cost of garage door installer insurance can vary based on several factors. Here are the key considerations that influence insurance premiums:

  • Business size and revenue–Larger businesses with higher revenues typically have higher premiums due to increased exposure and potential liability risks.

  • Coverage types and limits–The specific types of insurance coverage selected, such as general liability, professional liability, commercial auto, and workers compensation, along with the coverage limits chosen, can impact the overall cost.

  • Business operations–The scope and nature of your garage door installation business, including the types of services provided, the size of projects, and the geographical location of your operations, can affect the insurance premium.

  • Claims history–Your business’s claims history, including the frequency and severity of past claims, can impact the insurance cost. A history of claims may lead to higher premiums.

  • Deductibles–The deductible amount selected for each policy influences the premium. Higher deductibles typically result in lower premiums, but it also means assuming more risk in the event of a claim.

  • Safety measures–Implementing robust safety protocols, training programs, and risk management practices may help lower insurance costs by reducing the likelihood of accidents and claims

Below is an updated table displaying the cost of a $1 million general liability insurance from the best garage door installer insurance providers:

Cost per Month Cost per Year Best for
NEXT $25 $300 Best overall; Fastest general liability insurance for garage door installers
The Hartford $30 $360 Workers compensation insurance for garage door installers
CoverWallet $23 $276 Comparing paddleboard rental insurance quotes online
Tivly $32 $384 Comparing garage installer insurance quotes over the phone
Thimble $34 $408 On-demand coverage for garage door installers
Hiscox $38 $456 Worldwide coverage for garage door installers

Compare Cheap Garage Door Installer Insurance Quotes Online

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

Best Garage Door Installer Insurance Companies 

When it comes to garage door installer insurance, several reputable insurance companies offer tailored coverage options. Here are some of the best insurance providers known for their expertise. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy:


NEXT Garage Door Installer Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for garage door installers

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT was founded in 2016 by Guy Goldstein, Alon Huri, and Nissim Tapiro. Headquartered in Palo Alto, California, NEXT Insurance provides digital insurance solutions for small businesses, including contractors and tradespeople. They leverage technology to simplify the insurance buying process and offer customized coverage options. With their innovative approach, NEXT Insurance has rapidly grown to become a prominent player in the insurance industry.

Best for: Best overall; Fastest general liability insurance for garage door installers

Average cost: $25 per month

Our rating: 10/10


CoverWallet Garage Door Installer Insurance

Pros

  • Comparing quotes from multiple carriers

  • Simplified application process

  • Wide range of coverage options

  • Time-saving and convenient

Cons

  • Not an insurance company but an insurance broker 

CoverWallet was founded in 2015 by Inaki Berenguer and Rashmi Melgiri. The company was established with the goal of making insurance more accessible and convenient for small businesses. CoverWallet operates as an online insurance marketplace, partnering with multiple insurance carriers to offer a variety of coverage options. In 2019, CoverWallet was acquired by Aon, a leading global professional services firm, enhancing their capabilities and expanding their reach.

Best for: businesses seeking multiple quotes

Average cost: $27 per month

Our rating: 10/10


The Hartford Garage Door Installer Insurance

Pros

  • Long-standing reputation and financial stability

  • Extensive coverage options

  • Dedicated claims service

  • Additional business resources and tools

Cons

  • Premiums may be higher compared to other providers

The Hartford has a rich history dating back to 1810. Originally established as a fire insurance company, Hartford has since evolved into a well-known insurance provider offering businesses a wide range of insurance solutions. They have extensive experience in the insurance industry and a strong reputation for their commitment to customer service and tailored coverage options.

Best for: Workers compensation insurance for garage door installers

Average cost: $30 per month

Our rating: 10/10


Tivly Garage Door Installer Insurance

Pros

  • Specialized insurance coverage for door installers

  • Comprehensive policies, including general and product liability.

  • Personalized service and coverage options.

Cons

  • You need to talk to a comprerenstative to get quotes

Tivly operates in the Southern US region and was established in 2009. They offer customized insurance programs according to your specific needs. You can create your door installer insurance coverage from scratch with Tivly.  You can also obtain professional liability insurance, supplemented with additional coverage options such as commercial property, general liability, and workers compensation insurance as optional add-ons. Call now to compare quotes over the phone. 

Best for: Comparing garage installer insurance quotes over the phone

Average cost: $32 per month

Our rating: 9/10


Thimble Garage Door Installer Insurance

Pros

  • Flexible coverage options on an hourly, daily, or monthly basis

  • Quick and convenient application process

  • Affordable pricing

  • Ideal for gig workers and part-time contractors

Cons

  • Coverage options may be limited for certain industries or professions

Thimble was founded in 2016 by Eugene Hertz and Jay Bregman. The company specializes in providing on-demand insurance coverage for small businesses and independent workers. Thimble aims to offer flexible and customizable insurance policies to meet the needs of gig workers, including contractors. They leverage technology to streamline the insurance process and provide coverage options hourly, daily, or monthly.

Best for: On-demand coverage  for garage door installers

Average cost: $34 per month

Our rating: 10/10


Hiscox Garage Door Installer Insurance

Pros

  • Specialized coverage tailored to specific industries

  • High coverage limits available

  • Strong financial stability and reputation

  • Dedicated claims handling

Cons

  • Doesn’t grant coverage in Alaska 

Hiscox has a long history in the insurance industry, dating back to 1901. Over the years, they have established themselves as a global specialist insurer serving businesses of all sizes. Hiscox provides a range of insurance products, including coverage for small businesses. They have a reputation for their expertise in various industries and a commitment to delivering tailored coverage options.

Best for: Worldwide coverage for garage door installers

Average cost: $38 per month

Our rating: 10/10

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