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Signage Installer Insurance: Cost & Quotes From $50/mo

Table of contents
1. General Liability Insurance for Signage Installers1.1. Coverage Limits for General Liability Insurance for Signage Installers1.2. Add-Ons to General Liability Insurance for Signage Installers2. Professional Liability Insurance for Signage Installers2.1. Coverage Limits of Professional Liability Insurance for Signage Installers2.2. Add-Ons to Professional Liability Insurance for Signage Installers3. Commercial Property Insurance for Signage Installers3.1. Coverage Limits of Commercial Property Insurance for Signage Installers3.2. Add-Ons to Commercial Property Insurance for Signage Installers4. Business Owner’s Policy for Signage Installers4.1. Coverage Limits of Business Owner’s Policy for Signage Installers4.2. Add-Ons to Business Owner’s Policy for Signage Installers5. Tools and Equipment Insurance for Signage Installers5.1. Coverage Limits of Tools and Equipment Insurance for Signage Installers5.2. Add-Ons to Tools and Equipment Insurance for Signage Installers6. Workers Compensation Insurance for Signage Installers6.1. Coverage Limits of Workers Compensation Insurance for Signage Installers7. Commercial Auto Insurance for Signage Installers7.1. Add-Ons to Commercial Auto Insurance for Signage Installers8. Signage Installer Insurance Cost9. Best Signage Installer Insurance Companies9.1. NEXT Signage Installer Insurance 9.1.1. Pros9.1.2. Cons9.2. The Hartford Signage Installer Insurance 9.2.1. Pros9.2.2. Cons9.3. CoverWallet Signage Installer Insurance 9.3.1. Pros9.3.2. Cons9.4. Tivly Signage Installer Insurance 9.4.1. Pros9.4.2. Cons9.5. Thimble Signage Installer Insurance 9.5.1. Pros9.5.2. Cons9.6. Hiscox Signage Installer Insurance 9.6.1. Pros9.6.2. Cons

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.

General Liability Insurance for Signage Installers



CoverWallet NEXT (Best)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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.


Coverage Limits for General Liability Insurance for Signage Installers

An insurer will pay you $1,000,000 as the coverage limit for a single claim and $2,000,000 for all claim notices.


Add-Ons to General Liability Insurance for Signage Installers

  • 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


Professional Liability Insurance for Signage Installers


CoverWallet NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan 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.


Coverage Limits of Professional Liability Insurance for Signage Installers

It’s approximately $5,000,000. This is determined by the approximate number of clients you provide services to and your insurance needs/preferences.


Add-Ons to Professional Liability Insurance for Signage Installers

  • 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


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Commercial Property Insurance for Signage Installers


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


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.


Coverage Limits of Commercial Property Insurance for Signage Installers

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.


Add-Ons to Commercial Property Insurance for Signage Installers

  • 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


Business Owner’s Policy for Signage Installers


CoverWalletThimble (Best)NEXT HiscoxThe 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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


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.


Coverage Limits of Business Owner’s Policy for Signage Installers

A business owner’s policy provides a $1 million-$2 million general liability coverage and $25,000-$60,000 commercial property coverage. 


Add-Ons to Business Owner’s Policy for Signage Installers

  • 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


Tools and Equipment Insurance for Signage Installers


NEXT ThimbleHiscoxThe 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/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
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.


Coverage Limits of Tools and Equipment Insurance for Signage Installers

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.


Add-Ons to Tools and Equipment Insurance for Signage Installers

  • Rented or leased coverage–This add-on allows tools and equipment insurance to cover damage to equipment that you hired or borrowed


Workers Compensation Insurance for Signage Installers

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.


Coverage Limits of Workers Compensation Insurance for Signage Installers

Up to date, there are no specific coverage limits for workers comp insurance for signage installers. Payouts depend on which state you’re in.