How to Get Business Insurance for a Glass Installation Contractor
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 hour ago
- 2 min read
Glass installation contractors face unique risks, from jobsite injuries and property damage to transportation and handling of fragile materials. Proper business insurance is not just a legal safeguard—it’s a vital tool to protect your company, employees, and clients.
This guide explains how to get business insurance for glass installation contractors, what coverage you need, and how Wexford Insurance can help you get a tailored policy quickly and affordably.
Why Glass Installation Contractors Need Insurance
Working with glass involves high-risk activities, including:
Lifting and installing heavy glass panels
Working at heights or on scaffolding
Transporting fragile materials to job sites
Operating power tools and cutting equipment
Without insurance, even a minor accident can lead to costly claims or lawsuits, jeopardizing your business.
Steps to Get Business Insurance
Identify your main risks:
Employee injuries (falls, cuts, eye injuries)
Property damage (client property, glass breakage)
Vehicle and transportation risks
Tools and equipment loss
This assessment determines the type and level of coverage you’ll need.
2. Determine Required Coverage
Glass installation contractors typically need:
General Liability Insurance: Covers third-party injury and property damage.
Workers’ Compensation Insurance: Required if you have employees.
Commercial Auto Insurance: Covers vehicles used to transport glass and equipment.
Tools and Equipment Coverage: Protects expensive tools and fragile materials in transit.
Professional Liability Insurance: Optional but recommended for custom installations or high-value projects.
3. Gather Business Information
When applying for insurance, have ready:
Business license and contractor credentials
Number of employees and payroll details
Vehicle information if you operate company trucks or vans
Estimated annual revenue and project types
Accurate information ensures quick and accurate quotes.
4. Compare Quotes and Carriers
Insurance rates can vary widely. To get the best combination of cost and coverage:
Request multiple quotes
Review policy limits, exclusions, and deductibles
Ask about bundling options for liability, workers’ comp, and auto
5. Work With a Specialist
Specialist contractors’ insurance providers, like Wexford Insurance, understand the unique risks of glass installation. They can help you:
Identify the right coverage for your operations
Ensure compliance with local and state requirements
Provide Certificates of Insurance for contracts or clients
Access multiple carriers for competitive pricing
Conclusion
Business insurance is essential for glass installation contractors to protect against injuries, property damage, and lawsuits. By assessing risks, selecting the right coverage, and working with a specialist like Wexford Insurance, contractors can secure tailored insurance, stay compliant, and operate confidently.
FAQs
What insurance does a glass installation contractor business need?
How much does glass installation contractor business insurance cost?
Do glass installation contractors need workers’ compensation insurance?
