Windshield Repair Business Insurance: Cost & Quotes From $30/mo

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It’s illegal to drive a commercial van or any other vehicle with a cracked windshield. This is why windshield repair businesses exist to help owners install new windshields. You want to implement prevention strategies quickly for your windshield business. Windshield repair business insurance is a combination of policies that protects you from the catastrophic costs of lawsuits and property damage. Keep reading to determine which policies you need to develop a comprehensive policy.

General Liability Insurance for Windshield Repairers

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


Windshield repair business insurance must protect you from liabilities and financial loss. General liability insurance is one of the best policies to protect you against liability.  This policy compensates you for third-party claims. This will cover events related to personal injury, property damage, and bodily injury.

Add-Ons to General Liability Insurance for Windshield Repairers

You can utilize add-ons or endorsements that provide additional coverage to further customize your general liability policy:

  • Product liability–This insurance add-on protects your windshield repairer business when products or items you sell to customers result in bodily injury or property damage to a third party

  • Hired and non-owned auto–Covers the cost of accidents caused by employee vehicles or hired vehicles

  • Employment practices liability coverage–A policy that protects your windshield repair business against employee claims of harassment, discrimination, wrongful termination, and more

Coverage Limits of General Liability Insurance for Windshield Repairers

This car window repair insurance for your business will have policies with a maximum coverage limit. The coverage limit for general liability will be about $1 million per occurrence and $2 million in aggregate.


Can General Liability Insurance Protect Me From Lawsuits That Have the Potential to Bankrupt My Business?

Yes. Third-party injuries can potentially bankrupt your business through expensive lawsuits and court judgments. Without a good general liability policy, you risk your business having to pay out of pocket. Many businesses can’t handle unexpected lawsuit expenses.


Professional Indemnity Insurance for Windshield Repairers

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


Your windshield repair business can use professional indemnity insurance to protect from any professional errors or oversights during the business.


Add-Ons to Professional Indemnity Insurance for Windshield Repairers

  • Abuse and molestation coverage–Protects your windshield repair business from the costs of lawsuits and accusations of sexual abuse and molestation

  • Additional insured–Add parties to your windshield business professional indemnity coverage

Coverage Limits of Professional Indemnity Insurance for Windshield Repairers

Professional indemnity insurance will have coverage of about $1 million. You can get higher limits if necessary.


Does Professional Indemnity Insurance Cover Bad Advice to Clients?

Yes. If you provide a professional service to a client and give them bad advice for their replaced windshield, you would be covered for any financial losses they might sue you for. This policy covers mistakes, so if you gave terrible advice intentionally, you wouldn’t get coverage for that event.

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Commercial Property Insurance for Windshield Repairers

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 commercial property insurance policy will protect your windshield repair business building and any personal business property from damage due to fire, theft, vandalism, and other covered perils. 


Add-Ons to Commercial Property Insurance for Windshield Repairers

  • Business interruption–Supplements lost business income and help covers business loans when your property is damaged

  • Flood coverage–This add-on protects your windshield business from costs related to flood damage and rising waters

Coverage Limits of Commercial Property Insurance for Windshield Repairers

Commercial property insurance for windshield repairs will have a coverage of $60,000.


A cracked windshield.


Business Owner’s Policy for Windshield Repairers

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 protects your business with the combined coverage of general liability insurance and commercial property insurance. A business owner’s policy allows you to customize your insurance by incorporating other optional policies. Business interruption insurance is also included in a business owner’s policy.


Add-Ons to Business Owner’s Policy for Windshield Repairers

  • Commercial auto–Some insurers allow you to add-on coverage for vehicles that you use for business purposes

  • Employee dishonesty–Protects your windshield repair business from the consequences of dishonest employee actions like theft, forgery, and more

Coverage Limits of Business Owner’s Policy for Windshield Repairers

A business owner’s policy will cover around $1 million for windshield general liability and about $50,000 for commercial property coverage.


Tools and Equipment Insurance for Windshield Repairers

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 protects your movable tools and equipment from vandalism, theft, fire, and other covered perils. Purchase this commercial auto glass repair insurance if you don’t want to incur losses when repairing or replacing equipment. 


Add-Ons to Tools and Equipment Insurance for Windshield Repairers

  • Equipment breakdown–Helps you cover incidents of mechanical failure or breakdowns that occur to your tools or equipment

  • Rental coverage–Some insurers allow you to cover any equipment or tools you rent or lease for your business

Coverage Limits of Tools and Equipment Insurance for Windshield Repairers

Tools and equipment insurance offers $5,000 and $20,000 coverage. 


What are Some Common Exclusions to Tools and Equipment Insurance?

Your typical tools and equipment insurance policy will only cover mobile tools. Any immobile tools stuck at your business property building must be covered under a commercial property policy. Also, things like mechanical faults, rented equipment, and normal wear and tear are other exclusions of this policy.


Commercial Auto Insurance for Windshield Repairers

Commercial auto insurance is a policy for your business vehicles. When vehicles perform tasks related to your business interests, this insurance shields you from liability claims and vehicle damage.


Add-Ons to Commercial Auto Insurance for Windshield Repairers

  • Medical payments–Protects your passengers and drivers by helping them with the costs of medical treatments they need after a vehicle accident

  • Roadside assistance–Helps your windshield repair business vehicles when they need towing or other services from breaking down while driving

Coverage Limits of Commercial Auto Insurance for Windshield Repairers

Commercial auto insurance for windshield repairers can cover between $100,000 and $1 million in auto liability.


Will Commercial Auto Insurance Protect My Vehicles When Transporting Clients?

Yes, if you need to transport clients in your windshield repair business, commercial auto can cover your vehicles. You can get coverage for legal expenses and medical costs if an accident happens when transporting a client. 


Excess Liability Insurance for Windshield Repairers

Excess liability insurance is an insurance policy that boosts your other insurance policies. Windshield repair businesses use this insurance to extend the coverage limits of their other policies.


Coverage Limits of Excess Liability Insurance for Windshield Repairers

Excess liability provides coverage in increments that can go up to $25 million or more, depending on the insurer.


Can Excess Liability Insurance Help Me Meet Insurance Coverage Requirements for Clients?

Yes. If you work with clients that require high amounts of insurance coverage, you can use excess liability to satisfy those requirements. This is because excess liability lets you exceed the insurance coverage of your underlying policy.


Workers Compensation Insurance for Windshield Repairers

A workers’ compensation insurance policy is a protection for any employees you might have. These employees get medical benefits and supplemental income when injured or sick from their work duties.


What Happens If An Employee Dies From a Workplace Accident?

Suppose an employee dies from an injury at work. Workers comp will pay out their surviving family and beneficiaries with death benefits in that case. This policy will also help pay for funeral expenses.


Am I Required to Carry Workers’ Compensation Insurance?

Most businesses with employees will be required by law to carry workers’ compensation insurance. Texas is the only state that allows businesses to choose whether to purchase workers compensation or not. 

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Windshield Repair Business Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $30 $360 $0-$500
Professional liability insurance $36 $432 $1,000-$2,000
Excess liability insurance $40 $480 $1,000-$2,000
Commercial property insurance $55 $660 $1,000-$2,000
Business owner’s policy $74 $888 $1,500
Tools and equipment insurance $33 $396 $500-$1,000
Commercial auto insurance $45 $540 $500-$1,000
Workers compensation insurance $79 $948 $2,500-$5,000


The average windshield repair business insurance cost is $30 per month or $360 per year for a $1 million general liability policy. Factors that affect premiums are claims history, business history, policy limits, deductibles, number of employees, location, and annual revenues. Here’s a table showing the cost of a $1 million general liability policy from the best companies:

Cost per Month Cost per Year Best for
NEXT $16 $192 Best overall; Fastest general liability insurance for windshield repair businesses
The Hartford $18 $216 Workers compensation insurance for autoglass repair businesses
CoverWallet $21 $252 Comparing windshield repair business insurance quotes online
Tivly $24 $288 Comparing windshield repair business insurance quotes over the phone
Thimble $26 $312 Short-term general liability insurance for windshield repair businesses
Hiscox $28 $336 Liability insurance with worldwide coverage

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Best Windshield Repair Business Insurance Companies

Consider working with these companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy:

NEXT Windshield Repair Business Insurance

Pros 

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for windshield repair businesses

  • 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 offers important auto service and car repair policies that can apply to your windshield repair businesses. Despite only being founded in 2016, Next has secured an A- rating with AM Best and a B+ from the Better Business Bureau. The company reached over $650 million in premiums in 2021

Best for: Best overall; Fastest general liability insurance for windshield repair businesses 

Average cost: $16 per month

Our rating: 10/10 


The Hartford Windshield Repair Business Insurance

Pros 

  • Mobile app for customers

  • Has been underwriting for over 200 years

  • File your policy entirely online

Cons 

  • The buying process can be complicated

The Hartford is an established insurer standing by to help you get insurance for your business. You can buy policies like general liability, workers’ compensation, and business owner’s policy. The Hartford had $11 billion in direct premiums in 2022. They maintain an A- from AM Best for financial security.

Best for: Workers compensation insurance for autoglass repair businesses

Average cost: $18 per month

Our rating: 10/10 


CoverWallet Windshield Repair Business Insurance

Pros 

  • Lots of insurance options

  • 10+ insurance partners

  • Choose policies and track them from a digital dashboard

  • Skip filling out a form and call Coverwallet directly

Cons 

  • Not an insurance company but an insurance broker 

CoverWallet offers a digital space to compare insurance quotes between top insurance partners. They offer policies from Markel, Hiscox, Progressive, and Chubb. You can protect your small windshield repair business with policies like commercial property, general liability, commercial auto, and workers’ compensation.

Best for: Comparing windshield repair business insurance quotes online 

Average cost: $21 per month

Our rating: 10/10 


Tivly Windshield Repair Business Insurance

Pros 

  • Allows you to easily update your insurance policy

  • Focuses on solutions for your business

  • Negotiates for you with their insurance partners

Cons 

  • You will need to call to set up your insurance

Tivly excels at connecting customers and insurance companies. As an insurer, they help you determine the insurance solutions you need before matching you to some of their 200 different appropriate. Tivly makes it easy to narrow down your selections and buy with confidence. Call now to compare quotes over the phone. 

Best for: Comparing windshield repair business insurance quotes over the phone

Average cost: $24 per month

Our rating: 10/10 


Thimble Windshield Repair Business Insurance

Pros 

  • Make changes to your policy easily when your needs change

  • Short-term coverage offered

  • Knowledgable about many industries

  • Lets you quickly purchase a policy

Cons 

  • You can’t reach customer service by calling 

Thimble offers scalable insurance policies with flexible coverage periods set by you. They are an ideal choice for short-term coverage that you need quickly to avoid a lapse in coverage. This company offers many excellent policy options and add-ons like rental reimbursement that you can use to fortify your insurance policies.

Best for: Short-term general liability insurance for windshield repair businesses

Average cost: $26 per month

Our rating: 10/10 


Hiscox Windshield Repair Business Insurance

Pros 

  • 4.6/5 score from Feefo reviews

  • Small business friendly

  • Passionate customer representatives

Cons 

  • Doesn’t offer coverage in Alaska 

Hiscox has one of the most detailed and tailored insurance buying experiences that is made easier thanks to their passionate and experienced insurance team. They focus on providing policies for small businesses, and your windshield repair business can benefit from policies like general liability and workers comp.

Best for: Liability insurance with worldwide coverage

Average cost: $28 per month

Our rating: 10/10 

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