Insurance for garage door and overhead door installers.

General liability, workers’ comp, commercial auto, and tools, for residential garage door and commercial overhead door installers, from spring replacements to rolling steel and dock doors.

What garage door installers usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Tools and equipment
Doors and parts in transit
Umbrella

Watch for these in a garage door policy

Springs and cablesTorsion springs and cables cause many of this trade’s worker injuries. Carriers look closely at your training and claim history before writing workers’ comp.
Openers and safety eyesAn opener installed or adjusted without working safety sensors can lead to a crushing injury years later. Keep a record of every setting you leave.
Doors that dropA door that falls on a car or a person after a spring or cable fails comes back as a completed operations claim, even when the part is what failed.
Commercial fire doorsRolling fire doors must close on their own in a fire. Some policies exclude fire door testing and service, or rate it separately, because a failure can mean a large fire loss.
Service callsMany claims come from doors you only serviced, not installed. Make sure the policy description includes service and repair, not just new installs.

What builders, property managers, and GCs ask garage door installers for

Additional insuredBuilders and GCs ask for ongoing and completed operations. Property managers name the owner and the management company.
Service agreement indemnityCommercial service contracts often make you indemnify the owner for any door injury, backed by your contractual liability coverage.
Waiver of subrogationOn general liability and workers’ comp for commercial accounts.
Auto liabilityFor service vans on their sites, often at $1M.

Questions garage door installers ask

Straight answers.

The questions we hear most, answered plainly.

Is a spring injury to one of my techs covered?

By workers’ comp, yes, if you carry it. A tech hurt without comp in place can sue you directly, and spring injuries are often serious.

Who pays if a door I serviced comes down on a customer’s car?

Your general liability, as property damage from your completed work. The door and parts you worked on are usually not covered, only the car and anything else it hit.