Insurance for door and window installers.

General liability, workers’ comp, auto, and an installation floater, for replacement and new-construction door and window installers, whether you install for a dealer or sell your own jobs.

What door and window installers usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Installation floater
Tools and equipment
Umbrella

Watch for these in a door and window policy

Leaks around the frameWater that gets around a window or door is the classic claim, often found years later as rot inside the wall. Completed operations answers for the damage, not for resetting the window.
Lead in old framesPulling old windows from a house built before 1978 disturbs lead paint. Most policies exclude lead, and federal lead-safe rules apply to that work.
New or larger openingsCutting a new opening or enlarging an old one means cutting headers, which is structural work some installer policies exclude.
Automatic doorsInstalling or servicing automatic commercial doors is usually a separate, higher-rated class, since a door that closes on someone is a common injury claim.
Your subcontractorsMany policies require certificates from every sub you hire, and uninsured subs get charged at audit.

What dealers, builders, and homeowners ask door and window installers for

Additional insured for the dealerDealers and home centers that sell the job usually require you to name them for ongoing and completed operations.
Installer agreement indemnityDealer agreements often make you indemnify them for installation defects. Your policy’s contractual liability coverage is what backs that promise.
Lead-safe firm certificationRequired by most dealers for replacement work on homes built before 1978.
Proof of workers’ compBuilders and dealers generally won’t let a crew start without a certificate.

Questions door and window installers ask

Straight answers.

The questions we hear most, answered plainly.

Am I covered if a window I installed leaks?

Damage the leak causes, like ruined drywall or flooring, usually falls under completed operations. Pulling and resetting the window yourself usually does not.

Do I need my own policy if I install for a window dealer?

Almost always. Dealers require installers to carry their own general liability and workers’ comp, name the dealer, and send a new certificate at every renewal.

Is enlarging a window opening covered?

Only if structural work is within your policy’s classification. Cutting headers and resizing openings is structural, and some installer policies exclude it.