What Insurance Does a Glass Installation Contractor Business Need?
- Nate Jones, CPCU, ARM, CLCS, AU
- 56 minutes ago
- 2 min read
Glass installation contractors face unique risks due to handling fragile materials, working at heights, and operating on client property. Proper insurance is essential to protect your business, employees, and clients from accidents, claims, and lawsuits.
This guide outlines the key types of insurance coverage that every glass installation contractor business should have and how Wexford Insurance can help you secure the right policies.
Key Insurance Coverages for Glass Installation Contractors
Purpose: Protects against third-party bodily injury, property damage, and legal defense costs.
Example Scenarios:
A client trips over equipment at the jobsite
Glass accidentally breaks during installation
Damage to a client’s property during transport
General liability insurance is often required by clients and contracts to perform work.
Purpose: Covers medical expenses and lost wages if an employee is injured on the job.
Example Scenarios:
Cuts or lacerations while handling glass
Falls from ladders or scaffolding
Injuries during equipment operation
Workers’ compensation is required in most states for businesses with employees.
Purpose: Protects vehicles and employees while transporting tools, equipment, and glass to job sites.
Example Scenarios:
Accidents during delivery of glass panels
Damage to third-party vehicles while on the road
Injuries to drivers or passengers
Purpose: Protects the valuable tools, machinery, and fragile materials used in installation.
Example Scenarios:
Theft of specialized glass-handling equipment
Damage to tools during transportation
Replacement of broken glass panels
Purpose: Covers claims related to faulty workmanship, design mistakes, or project errors.
Example Scenarios:
A custom glass installation fails due to design error
Delays in project completion lead to client disputes
While optional, professional liability is recommended for contractors handling complex or high-value installations.
Purpose: Provides extra coverage above the limits of your primary policies.
Example Scenarios:
Catastrophic injury or property damage claims
Large-scale commercial installation errors
Umbrella insurance ensures your business has protection for major unexpected events.
How Wexford Insurance Helps Glass Installation Contractors
Wexford Insurance specializes in contractor business insurance and can help glass installation businesses:
Identify the right combination of coverage for their operations
Ensure compliance with state and client requirements
Compare multiple carriers for competitive pricing
FAQs: Glass Installation Contractor Insurance
How do I get business insurance for a glass installation contractor?
How much does glass installation contractor business insurance cost?
Do glass installation contractors need workers’ compensation insurance?
