Does Auto Glass Repair Require Different Business Insurance Coverage?
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 hours ago
- 2 min read
Auto glass repair businesses operate in a unique niche of the glass industry, handling vehicle windows, windshields, and specialty glass. Because of the specific risks involved, auto glass repair contractors often need different or specialized insurance coverage compared to general glass installation contractors.
This guide explains the key differences in coverage requirements and how Wexford Insurance can help auto glass repair businesses get compliant, affordable, and comprehensive insurance.
Why Auto Glass Repair Coverage Is Unique
Auto glass repair involves:
Working with vehicles in various locations (garages, client homes, or roadside service)
Handling small, fragile glass components under tight tolerances
Potential damage to customer vehicles or surrounding property
High client expectations for timely and quality repair work
Because of these factors, insurers often adjust coverage types, limits, and risk assessments for auto glass repair contractors.
Key Insurance Coverage Differences
While general liability is standard for all glass contractors, auto glass repair policies often require:
Higher property damage coverage for vehicle repairs
Endorsements for mobile repair services
Protection against accidental damage during installation or removal
Auto glass repair businesses frequently operate company vehicles for mobile repairs or pickup/delivery services. Unlike stationary glass installation, insurers emphasize:
Coverage for vehicles carrying glass
Liability for accidents while driving to customer locations
Physical damage coverage for business vehicles
Auto glass repair involves specialized tools and machines, such as:
Windshield adhesives and sealants
Suction cup lifts and cutters
Diagnostic equipment
Coverage should protect tools and mobile equipment, including theft or accidental damage during transport.
If you have employees, workers’ compensation is mandatory in most states. Auto glass repair businesses face:
Risk of cuts, lacerations, and chemical exposure
Potential injuries from working on cars in tight spaces
Falls from step stools or vehicle roofs
How Coverage Differs From Standard Glass Installation
Coverage Type | Standard Glass Installation | Auto Glass Repair Coverage |
General Liability | Property & bodily injury | Includes vehicle-specific coverage |
Commercial Auto | Optional if using trucks/vans | Mandatory for mobile repair vehicles |
Tools & Equipment | Covers hand tools & machinery | Covers specialty repair tools & adhesives |
Workers’ Compensation | Covers employees on job sites | Covers mobile and garage work |
Professional Liability | Optional for high-value projects | Recommended for auto damage claims |
Garagekeepers Insurance | Rarely required | Often essential for customer vehicles |
How Wexford Insurance Helps Auto Glass Repair Businesses
Wexford Insurance specializes in contractor insurance and helps auto glass repair contractors:
Identify specialized coverage needs for mobile repairs
Secure policies that cover tools, vehicles, and liability risks
Provide Certificates of Insurance for client contracts
Compare carriers for cost-effective and comprehensive coverage
