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Door and Window Installation Insurance

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Open the Doors of Long-Term Success with Business Insurance

By installing doors and windows, you’re responsible for putting on some of the most important finishing touches on a home or business.

Now you can put a final piece on your business strategy — insurance.

Here at Simply Business, we can help you protect what you’ve built. Just as doors and windows protect homes against the elements, business insurance can help you weather storms. Not sure what kind of coverage you need? We’ll give you tailored recommendations every step of the way.

We’re an online business insurance platform that helps small business owners cut through the clutter of insurance lingo and state regulations to narrow down insurance options for you.

The best part? It only takes a few minutes to find and compare free, custom quotes from top insurers.

Ready to get started?

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Need more detail? Read our FAQs:

  • What is Business Insurance?

Coverage Type

Business Insurance Policies Available for Door and Window Installers:

  • General liability insurance
  • Workers compensation insurance

Benefits:

  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help clients feel good about your work.
  • It may be required where you’re located.

Man installs window into frame

What Type of Insurance Do Door and Window Installers Need?

Your customers pay you to be knowledgeable about the ABC’s of windows and doors. You know — aprons, bay windows, and casements. You can stick to your day job, and we’ll keep learning everything there is to know about insurance. That way, we can give you the straight talk about what you may need and may not.

Here are the two types of insurance policies for you to consider.

General Liability Insurance

Are you the contractor that businesses call when they need help with a little bit of everything? If so, then you’re a lot like general liability insurance. This type of policy typically covers costs associated with third-party accidents, damages to property, and bodily injury to a third party. For reference, a “third party” refers to your customers and vendors.

The beauty of GL insurance is that it could potentially save you a ton of money in case of an accident. Did you know that the average customer injury or damage claim — something that general liability insurance covers — is a whopping $30,000?

How could you possibly rack up a bill that high? Just imagine that you’re installing a window on the second floor of a home. You accidentally lose your grip on the window, and it falls on the customer below. They have to be taken to the hospital, and you get sued for damages.

Without insurance, you’d need to pay for those injuries. Nobody wants to cough up $30,000 to pay for a lawsuit, which is where insurance comes in handy. If you had a door and window installation insurance plan, it could help cover that hefty bill.

To recap, here’s what general liability insurance usually can cover:

  • Bodily injury to another person
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

Now check out what general liability insurance usually doesn’t cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Motor vehicles while in business use
  • Expected or intentional injury or damage
  • And more

Workers Compensation Insurance

You started with a dream and hard work, and now you have employees. Congratulations! Having a team means you can help more customers, but it also comes with more responsibilities. In most states, you’ll be required to carry workers compensation insurance if you have employees.

You can start by checking your state’s laws here.

A workers comp policy can cover costs associated with an employee’s injury or illness while they’re working for you. The average work injury cost is $41,000, which means that having a policy in place could ensure that your employee gets the help they need, without your having to foot the bills.

In general, workers compensation insurance can cover:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

Man in hardhat installs window

Why Should I Get Door and Window Installation Insurance?

Installing doors and windows is second nature for you. While you always do your best work, there’s no such thing as a business without risk. Rather than worrying about what could happen, you can buy peace of mind with business insurance.

Let’s look at some stats to give you context. Nearly half of small business owners polled reported being threatened with or involved in a civil lawsuit. You can take a gamble, but only if you’re prepared to pay out of pocket if you lose the bet.

Just take a look at the most common incidents that can happen to small business owners, including how much they cost on average:

  • Reputational Harm — $50,000
  • Client Injury or Damage — $30,000
  • Client Slip and Fall — $20,000

Only you know the full extent of the hard work you’ve invested in your business to get to where you are today. That means you can appreciate just how much your business means to you and how tough it would be to see it set back by an accident. Consider getting a business insurance policy today so you can rest easy knowing that you’re covered.

Let’s shake off all that heavy stuff, shall we? Business insurance is also there for you on your best days. When you get covered through Simply Business, you can request a certificate of insurance (COI). Then, you can use that proof of insurance to rent business space or build trust with potential customers and employees.

While having business insurance can have a serious impact on your business, getting covered doesn’t have to be difficult. Here at Simply Business, we make it easy to get insured.

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Door and Window Installation Insurance FAQs

  • Each state sets laws about business insurance, so your coverage requirements depend on your location. Luckily, our quote process can help you determine your needs.

    Here at Simply Business, we suggest considering business coverage, and since workers comp is required in most states if you have employees, we recommend that coverage as well. Some landlords may also require proof of insurance to rent business space.

  • Typically, you can deduct business insurance premiums from your business’s income tax filings. It’s always a good practice to consult a tax accountant if you have questions, though.

  • Insurance needs vary, even within the same profession. Your coverage depends on:

    • The size of your business
    • Your business location
    • Your annual revenue and payroll
    • And more

    If you’re not sure what you need, our quote form recommends insurance plans for you, based on your answers.

    If you have more questions, our licensed insurance agents are available and will be happy to assist you!

  • We’ve designed the insurance quote process to be easy, and it can be faster by having the following information on hand:

    • Annual revenue estimates
    • Payroll estimates
    • Information on any previous claims
  • Insurance requirements for door and window installers vary by state. While workers comp is usually required if you have employees, you may not need proof of general liability insurance to run your business.

    It takes just ten minutes to complete our quote process, to find out what your state requires Your answers automatically narrow down your coverage recommendations.

  • The type of scenarios you’re covered in depend on the policies you carry. For example, a comprehensive plan with general liability and workers comp can cover:

    • Bodily injury
    • Accidents and damages
    • Employee injuries
    • Negligence or alleged negligence
    • And more
  • Since each quote is customized to your needs, generally, your insurance premiums are based on:

    • Payroll and revenue estimates
    • The location of your business
    • The specific services you offer
    • And more

    Want to see how much your door and window installation insurance may cost? Just click here and get free quotes from some of the top insurers in the country.

Man installs sliding door into frame

Why Choose Simply Business?

You work long hours, and sometimes it may feel like your mistakes, and not your good work, are the only thing noticed. Nevertheless, you show up every day to make your business a success. Simply Business wants to help you carry on for years to come.

Simply Business is an online insurance platform that helps small owners protect their hard work. Thousands of customers trust us to cover their growing companies, making us one of the fastest-growing online providers of small business insurance.

So why choose Simply Business?

  • We’re fast and affordable. We make it easy to find and compare plans that are personalized to your business — all in under 10 minutes, so you can get back to work.

  • We’re flexible with coverage. Whether you need your first certificate of insurance or to cover your growing team, we’re here to help.

  • We get your business. You deserve better than cookie-cutter insurance plans. Get the personalized protection you need as a door and window installer when you need it the most.

You work hard to deliver a reliable experience to your customers. That’s why we offer the best coverage to protect your business.

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.