Common Insurance Mistakes Glass Installation Contractors Should Avoid

Nate Jones, CPCU, ARM, CLCS, AU
3 hours ago
2 min read

Glass installation contractors face unique risks, from handling fragile materials to working at heights. Proper insurance is essential to protect your business, employees, and clients. However, many contractors make common insurance mistakes that leave them under protected or overpaying for coverage.

This guide highlights the most frequent errors glass contractors make with insurance and explains how working with Wexford Insurance can help you get the right coverage.

1. Not Carrying the Right Type of Coverage

Glass installation contractors often assume one policy covers everything. Mistake: relying only on general liability while ignoring:

Each policy protects against specific risks. Skipping coverage can result in major out-of-pocket costs.

2. Underestimating Coverage Limits

Many contractors choose the lowest limits possible to save on premiums. Mistake: limits too low to cover potential claims.

For example:

A broken glass panel in a high-rise project may exceed policy limits
An employee injury could result in medical bills higher than your coverage

Always assess job-specific risks and client requirements when selecting limits.

3. Not Updating Policies As Business Grows

Your insurance needs change with your business. Mistake: failing to update policies for:

New employees or subcontractors
Additional job sites or equipment
Expansion into commercial or high-rise projects

Outdated policies can leave gaps in coverage or result in denied claims.

4. Ignoring State and Local Requirements

Insurance requirements vary by state and locality. Mistake: assuming a general liability policy meets all regulatory mandates.

Workers’ compensation is mandatory in most states for businesses with employees
Some municipalities require specific liability limits or bonds for contractors

Failing to meet requirements can lead to fines, revoked licenses, and lost contracts.

5. Failing to Provide Proof of Insurance to Clients

Many contractors overlook the importance of Certificates of Insurance (COIs). Mistake: starting projects without COIs.

Clients and general contractors often require proof of coverage before allowing work on-site. Not providing COIs can delay projects or lose job opportunities.