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Installing doors and windows can sometimes lead to unexpected accidents that involve the injury of your staff or client as well as property damage. In other cases, accidents can happen on the road on the way to your client.
This is why every door and window installation contractor should measure the degree of risk that they are exposed to and get adequate cover to keep the business and everyone involved safe.
Why Do Door & Window Installation Contractors Need Insurance?
Every door and window contractor is exposed to liability risks during their work-related activities. This can be in the form of bodily injuries or property damage that is caused by the installation, usage, or maintenance of doors and windows.
In nearly all cases, the resolution of such accidents and claims involves money. And the only real way of protecting your business against those is by having good insurance in place.
If you work alone in the business, then you don't need as much cover as you would were you to have company vehicles, employees, and various types of tools and equipment.
In such a case, you'd have to take out more policies to keep everyone and everything your business owns safe.
What Types of Insurance Do Door & Window Installation Contractors Need?
As a door and window installation contractor, you can benefit from several types of insurance policies. The insurance you need will vary from company to company, but generally speaking, it mostly depends on the state you’re in, the size of your business, number of company cars and employees, as well as your target market.
Below, you can check out the recommended insurance coverage for your industry in more detail.
How Much Does Door & Window Installation Contractor Insurance Cost?
The cost of the door and window installation insurance varies greatly depending on where you conduct business, the size of your company, your clientele, and the level of protection you need.
On average, you can expect to pay between:
- $500 and $600 for general liability insurance annually
- $100 and $200 for contractor's tools and equipment insurance annually
- $1,000 to $1,400 for worker's compensation insurance annually
- $700 and $1,000 for commercial auto insurance annually
When shopping for door and window installation insurance, it's important to get the insurance policies that apply to your business. This way, you won't opt-in for any expensive insurance that you might not need as a whole.
Typical Door & Window Installation Contractor Insurance Claims
Door and window installation insurance claims are pretty rare. This is because the job is relatively simple with a few things that can go wrong.
With that being said, most claims come from injuries to the workers or damage to the property of the client, but neither of these types of claims is very common.
Still, it's worth getting out an adequate level of protection just so that your business is covered in case an accident happens.