What Kind of Insurance Do I Need for a Garage Door Contractor Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 15
- 2 min read
Starting a garage door contractor business is a smart move—but protecting it with the right insurance is essential. Whether you're installing residential garage doors, servicing commercial roll-up doors, or working with insulated and industrial systems, your business faces risks that require specialized coverage.
At Wexford Insurance, we help garage door contractors find tailored garage door contractor insurance that meets industry standards and client expectations. In this guide, we’ll break down the essential types of insurance coverage you need to operate safely and professionally.
This is the foundation of your coverage. It protects your business from third-party claims involving:
Bodily injury (e.g., a customer trips over tools)
Property damage (e.g., damage to a client’s garage or home)
Legal defense costs
If you hire employees, most states require workers’ comp. It covers:
Medical expenses for work-related injuries
Lost wages
Rehabilitation costs
Your work truck or van is a critical part of your business. Commercial auto insurance covers:
Accidents while driving to job sites
Vehicle damage or theft
Liability for injuries caused by your vehicle
Garage door contractors rely on specialized tools and machinery. Equipment insurance protects:
Power tools, spring tools, ladders, and diagnostic devices
Theft, damage, or breakdown
Replacement costs
Also known as errors and omissions (E&O) insurance, this covers:
Claims of faulty installation or poor workmanship
Missed deadlines or contract disputes
Legal fees and settlements
If you operate out of a shop or warehouse, this coverage protects:
Your building and contents
Inventory and office equipment
Fire, theft, and weather-related damage
Garage door contractors face unique risks—from heavy equipment to high-tension springs. Working with an agency like Wexford Insurance, which specializes in the construction and home services industry, ensures you get coverage that fits your business.
We work with insurance carriers that understand:
Residential garage door installation
Commercial and roll-up systems
Industrial and insulated garage doors
Final Thoughts
Insurance isn’t just a legal requirement—it’s a smart investment in your business’s future. With the right coverage, you can focus on growing your garage door contractor business while staying protected from unexpected risks.
Ready to get insured?
Contact Wexford Insurance today for customized coverage designed specifically for garage door contractors.