What Does Garage Door Business Insurance Cover for Contractors?
- Nate Jones, CPCU, ARM, CLCS, AU
- 22 hours ago
- 2 min read
Garage door installation and repair contractors face unique risks on the job, from working at heights to handling heavy equipment and operating company vehicles. Having the right business insurance protects your company, employees, and clients.
This guide explains what garage door business insurance typically covers and how Wexford Insurance helps contractors secure tailored coverage.
General liability insurance is essential for garage door contractors. It covers:
Customer or third-party bodily injury
Property damage during installations or repairs
Legal defense and settlement costs
Many cities, property managers, and clients require proof of general liability insurance before allowing contractors on site.
If you employ staff, workers’ compensation is often legally required. Coverage includes:
Medical expenses for on-the-job injuries
Lost wages during recovery
Legal claims from injured employees
This protects both employees and your business from costly lawsuits.
Find Now more about workers’ compensation at the U.S. Department of Labor
Garage door contractors often operate trucks or vans to transport tools, equipment, and doors. Commercial auto insurance covers:
Accidents while driving to or from job sites
Damage to vehicles or third-party property
Injuries to passengers or others involved in an accident
Your tools and machinery are essential to your business. Equipment coverage protects against:
Theft or vandalism
Fire or accidental damage
Repair or replacement costs
5. Optional Coverages for Contractors
Depending on your business and client requirements, additional coverage may include:
Professional liability: Protects against claims of faulty installations or errors
Business interruption insurance: Covers lost income if a covered event prevents operations
Umbrella liability: Adds extra coverage above your general liability limits
How Wexford Insurance Helps Garage Door Contractors
Wexford Insurance specializes in contractor insurance and helps garage door businesses:
Assess their specific risks
Bundle policies for cost savings
Access multiple top-rated carriers
Get fast, tailored quotes for trucks, liability, tools, and employees
Conclusion
Garage door contractors face risks ranging from customer injuries and equipment damage to vehicle accidents. Proper business insurance—including general liability, workers’ compensation, commercial auto, and tools coverage—protects your company, employees, and clients.
Partnering with Wexford Insurance ensures contractors get expert guidance, tailored policies, and fast quotes, so you can focus on growing your business safely.
