Do Glass Installation Contractors Need Workers’ Comp Insurance?
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 hours ago
- 2 min read
Glass installation contractors operate in a high-risk trade, handling heavy glass panels, sharp materials, and elevated work environments. Because of these risks, many contractors ask the same question: Do glass installation contractors need workers’ compensation insurance?
In most cases, the answer is yes. Workers’ comp insurance is often legally required and plays a critical role in protecting both your employees and your business from costly claims.
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance provides coverage for:
Medical expenses for job-related injuries
Lost wages during recovery
Disability benefits
Employer liability protection
If an employee is injured while installing, transporting, or handling glass, workers’ comp helps cover the costs and reduces the risk of lawsuits against your business.
Is Workers’ Comp Required for Glass Installation Contractors?
State Laws and Employee Status
Most states require workers’ compensation insurance if your glass installation business has one or more employees. Requirements vary by state, but contractors are rarely exempt due to the hazardous nature of the work.
Even if you use subcontractors, some states require coverage unless those subcontractors carry their own workers’ comp policy.
Why Workers’ Comp Is Especially Important for Glass Installers
Glass installation involves unique injury risks, including:
Cuts and lacerations from broken glass
Back and shoulder injuries from lifting heavy panels
Falls from ladders or scaffolding
Eye injuries from debris or shards
Without workers’ comp insurance, a single injury could result in out-of-pocket medical costs, legal disputes, and business interruption.
What Happens If You Don’t Carry Workers’ Comp?
Failing to carry required workers’ comp insurance can lead to:
Fines and penalties from state regulators
Loss of contractor licensing
Ineligibility for commercial contracts
Personal liability for employee medical bills
Increased risk of employee lawsuits
Many clients and general contractors also require proof of workers’ comp insurance before allowing glass installers on job sites.
How Workers’ Comp Insurance Cost Is Determined
Workers’ compensation premiums for glass installation contractors are typically based on:
Payroll amount
Number of employees
Job classification codes
Claims history
State-specific rates
Because glass installation is considered a higher-risk trade, proper classification and safety programs are critical to managing costs.
How Wexford Insurance Helps Glass Installation Contractors
Wexford Insurance specializes in contractor business insurance and helps glass installation contractors:
Determine if workers’ comp insurance is required in their state
Secure compliant coverage with correct job classifications
Manage workers’ comp costs through carrier comparisons
Provide Certificates of Insurance for contracts and job sites
Request a free glass contractor installation quote.
