Excellent signage helps a business attract customers. And so restaurants, offices, and other establishments opt to get one. That said, businesses also work with signage installers aside from fire sprinkler installers.
As a signage installer, it’s important to purchase insurance. This can help when someone gets hurt while you’re working. You can also use an insurance policy to cover the cost of employee injuries.
A signage installer insurance package offers the best protection. Read this guide to know what policies are included, how much premiums cost, and which companies to work with.
| 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 signage installer insurance protects you from any legal liability you may be subjected to in the event the products you sell, manufacture or distribute and the services you offer as well as the business operations your signage installation company engages in cause third-party bodily injuries and property damages.
Note that general liability insurance doesn't cover you from any professional liabilities your business may be subjected to. It also doesn't cover your business's commercial property and your employees' injuries and illnesses.
An insurer will pay you $1,000,000 as the coverage limit for a single claim and $2,000,000 for all claim notices.
Pollution liability insurance–If you operate a large-scale signage installation company that deals with hazardous or non-biodegradable materials, then purchasing this add-on would be a good idea as it will provide you with coverage against pollution-related claims. It will also exempt you from incurring cleanup costs and other land-reclamation services your business may be required to undertake following an accidental environmental pollution incident
Cyber liability insurance–If you digitally operate your signage installation company, we recommend purchasing this add-on as it protects you from any cyber-related costs you may be subjected to following a cyberattack on your company’s digital network
| 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 confers you with financial immunity if your client sues you for an alleged act of negligence while acting or performing under your professional capacity. Such claims of acts of negligence you are covered against include the provision of misleading information or 'bad advice', breach of contract, failure to provide services at the agreed date or time, and inability to provide your signage installation services as per the set or required standard.
It’s approximately $5,000,000. This is determined by the approximate number of clients you provide services to and your insurance needs/preferences.
Runoff coverage–If you are planning to sell your signage installation company, then we recommend that you purchase this add-on as it will protect you from legal claims following the cessation of your signage installation services
Prior acts coverage–This covers professional malpractice that occurred in the past or before your professional liability insurance became effective
Get all the best quotes from leading providers in a click of a button!
| 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 |
This signage insurance policy protects you from incurring the costs of rebuilding your business premises (whether rented or owned) after being damaged by fire, burglary and vandalism, and some weather-related incidents such as wind storms and lightning. This signage insurance also exempts you from incurring the costs of replacing your damaged business physical assets following an occurrence of an insured risk.
It’s from $100,000 to $1,000,000. The level of risks your commercial property is exposed to and how far or close your commercial building is to a fire station are some factors determining your coverage limits under this signage insurance.
Flood insurance–This protects you from incurring any cost of replacing and rebuilding commercial premises that are flood damaged or destroyed
Crime coverage–This add-on reimburses your financial losses that result from theft, fraud, social engineering, forgery, and other crimes
| CoverWallet | Thimble (Best) | NEXT | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $260,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy merges three core signage insurance into one policy. The three bundled insurance includes commercial property, general liability, and business interruption insurance.
A business owner’s policy provides a $1 million-$2 million general liability coverage and $25,000-$60,000 commercial property coverage.
Terrorism insurance–If your signage installation company is situated in areas prone to terrorist acts or attacks, then we recommend that you purchase this add-on as it will protect you from incurring any costs of repairing, rebuilding, and replacing your commercial premises and the contents in it after they have been destroyed due to a terrorist attack
Umbrella insurance–In the event your primary policy coverage limit gets exhausted, then you can use this add-on as a financial backup for the claims you are yet to settle
| 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 |
Tools and equipment insurance covers movable equipment against theft, fire, and weather-related incidents like lightning. Your insurer also provides financial coverage if your tools and equipment are lost while on-site.
An insurer will pay $700 to $5,000 per insured item. The type and market value of your signage installation tools and equipment greatly influence this coverage limit.
Rented or leased coverage–This add-on allows tools and equipment insurance to cover damage to equipment that you hired or borrowed
All of the states in the USA except for Texas and Wyoming require employers to purchase this signage installer insurance. Workers compensation insurance caters to your employee's medical and ongoing care expenses, disability benefits, dismemberment benefits, and lost wages.
Up to date, there are no specific coverage limits for workers comp insurance for signage installers. Payouts depend on which state you’re in.
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Commercial auto insurance financially exempts you from any third-party liabilities following an accident involving your commercial vehicle.
This policy also protects you from incurring any expenses from footing the cost of repairing your business automobile if it's damaged or destroyed by fire, vandalism, theft, and certain weather-related events or incidents. Below are the main components of this insurance policy:
Auto liability–If you are found liable for third-party bodily injury and property damage, then this will protect you from any financial obligations you may be liable to after causing an accident while driving your commercial vehicle for business operations
Medical payments coverage–In the event you get injured while traveling in your commercial vehicle, then your medical expenses, as well as the driver and the passengers traveling in the vehicle, will be catered for by your insurer
Comprehensive and collision coverage–Exempts you from financial burden if your automobile is damaged due to an impact with another object, vandalism, fire, and certain weather-related incidents such as hailstorms
Uninsured motorist coverage–Provides you with financial aid if you get into an accident with a motorist who doesn't have insurance coverage
Roadside assistance cover–This add-on benefits signage installers who provide signage services in remote areas or places far from their commercial premises. Under this add-on, your insurer protects you from incurring the costs if your vehicle stops working and leaves you stranded. Some of the costs covered under this add-on include towing, battery jumpstart, and more
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $49 | $588 | $0-$500 |
| Professional liability insurance | $55 | $660 | $500-$1,000 |
| Excess liability insurance | $57.00 | $684 | $500-$1,000 |
| Commercial property insurance | $80 | $960 | $1,000-$2,000 |
| Business owner's policy | $103 | $1,236 | $1,500 |
| Tools and equipment insurance | $52 | $624 | $500-$1,000 |
| Commercial auto insurance | $70 | $840 | $500-$1,000 |
| Workers compensation insurance | $110 | $1,320 | $2,500-$5,000 |
The average signage installer insurance cost is $49 per month or $588 per year for a $1 million general liability policy. Factors that affect premiums are claims history, business history, policy limits, deductibles, annual revenues, number of employees, and location. Here’s a table showing the cost of a $1 million general liability insurance from the best companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $33 | $396 | Best overall; Fastest general liability insurance for signage installers |
| CoverWallet | $35 | $420 | Workers compensation insurance for signage installers |
| The Hartford | $39 | $468 | Comparing signage installer insurance quotes online |
| Tivly | $42 | $504 | Comparing signage installer insurance quotes over the phone |
| Thimble | $45 | $540 | On-demand coverage for signage installation insurance companies |
| Hiscox | $47 | $564 | Worldwide coverage for signage installers |
Get all the best quotes from leading providers in a click of a button!
Here are the best signage installer insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance:
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for signage 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 is a privately owned online insurance company established 7 years ago. This A- AM Best-rated insurance company sells bundled insurance policies at a 10% discount. It's 100% digitally operated, making it possible for its customers to report a claim at any time of the day or month.
Best for: Best overall; Fastest general liability insurance for signage installers
Average cost: $33 per month
Our rating: 10/10
It also provides financial services to its customers
Provision of discounted auto policies to customers aged 50 years and above
Its coverage options can be accessed in all the states
Limited add-ons to general liability insurance
Over the past 212 years, The Hartford has provided its customers with affordable, easy-to-purchase and claim auto, homeowners, and business insurance policies. Due to its unmatchable customer service, Hartford has been rated as an A+ grade online insurance provider by AM Best and BBB. Its policyholders can report a claim 24/7 through its fast-to-download and use an official mobile app.
Best for: Workers compensation insurance for signage installers
Average cost: $35 per month
Our rating: 10/10
Provision of free expert insurance advice
You can purchase its products online
Compare quotes easily online
Provides you with your business-related coverage recommendations
Not an insurance company but an insurance broker
CoverWallet is a private insurance company that is owned by AON PLC firm. This company allows customers to compare quotes from different companies. Policies that CoverWallet sells are general liability, commercial property, business owner' policy, and more. Once covered, a customer can easily view and manage policies online through the MyCoverWallet app.
Best for: Comparing signage installer insurance quotes online
Average cost: $39 per month
Our rating: 10/10
Matches you with insurers that suit your coverage needs
A partner of many reputable insurance companies
Compare quotes over the phone
You need to talk to representative to get a quote
Tivly is an online insurance agency that specializes in matching its customers with insurance carriers that suit their business needs. Some of the insurers this adept digitally operated insurance agency has partnered with include The Hartford, Liberty Mutual, and Progressive.
Through its website, Tivly helps facilitate its customers with the acquisition of the following insurance policies from its partnered insurers: commercial general liability insurance, commercial property insurance, commercial auto insurance, professional liability insurance, workers comp insurance, and business owner's policy insurance. Call now to compare quotes over the phone.
Best for: Comparing signage installer insurance quotes over the phone
Average cost: $42 per month
Our rating: 10/10
It provides its customers with on-demand coverage
You can cancel your policy subscription at any time without incurring any penalties
You can modify and purchase its coverage online
You can’t reach customer service by calling
Thimble is a privately owned online insurance company that was established in 2016. This USA-based insurance carrier, whose headquarters are located in New York was previously known as Verifly, until 2019. As of today, this A-grade insurer is the only insurance company in the USA that allows its customers to purchase its policies through its official mobile app.
Best for: On-demand coverage for signage installation insurance companies
Average cost: $45 per month
Our rating: 9/10
Provides international coverage
14-day money-back guarantee
Sells both personal and commercial insurance policies
Available in 49 states
Hiscox is a public internationally operating insurance company. It was founded in 1901 and Robert Hiscox is its CEO. This AM Best A+ rated online insurer provides its customers with a 5% discount upon purchase of its bundled policy. Policyholders can also report a claim 24/7 through its official easy-to-download and convenient-to-use mobile app.
Best for: Worldwide coverage for signage installers
Average cost: $47 per month
Our rating: 9/10
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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