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.
| 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.
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
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.
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.
| 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.
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
Professional indemnity insurance will have coverage of about $1 million. You can get higher limits if necessary.
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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| 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.
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
Commercial property insurance for windshield repairs will have a coverage of $60,000.
| 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.
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
A business owner’s policy will cover around $1 million for windshield general liability and about $50,000 for commercial property coverage.
| 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.
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
Tools and equipment insurance offers $5,000 and $20,000 coverage.
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 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.
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
Commercial auto insurance for windshield repairers can cover between $100,000 and $1 million in auto liability.
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 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.
Excess liability provides coverage in increments that can go up to $25 million or more, depending on the insurer.
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.
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.
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.
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.
| 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 |
Get all the best quotes from leading providers in a click of a button!
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:
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
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
Mobile app for customers
Has been underwriting for over 200 years
File your policy entirely online
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
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
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
Allows you to easily update your insurance policy
Focuses on solutions for your business
Negotiates for you with their insurance partners
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
Make changes to your policy easily when your needs change
Short-term coverage offered
Knowledgable about many industries
Lets you quickly purchase a policy
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
4.6/5 score from Feefo reviews
Small business friendly
Passionate customer representatives
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
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
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.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
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!
It really can't get any better than this... wow
Not all those who wander are lost.
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