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.
| 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
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
| 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
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.
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.
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| 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
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
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.
| 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
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
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.
| 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
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
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.
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
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
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 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
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
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, 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
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.
| 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 |
Get all the best quotes from leading providers in a click of a button!
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:
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
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
Comparing quotes from multiple carriers
Simplified application process
Wide range of coverage options
Time-saving and convenient
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
Long-standing reputation and financial stability
Extensive coverage options
Dedicated claims service
Additional business resources and tools
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
Specialized insurance coverage for door installers
Comprehensive policies, including general and product liability.
Personalized service and coverage options.
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
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
Coverage options may be limited for certain industries or professions
Thimblewas 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
Specialized coverage tailored to specific industries
High coverage limits available
Strong financial stability and reputation
Dedicated claims handling
Doesn’t grant coverage in Alaska
Hiscoxhas 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
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
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
1 / 5
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.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
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!
Not all those who wander are lost.
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