Garage Door Installer And Repair Insurance

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Get small business insurance quotes and info on costs, coverages, minimum requirements, certificates & more.

Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Frequently Asked Questions About Small Business Insurance


How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Garage Door Installer And Repair Insurance Policy Information

Garage Door Installer And Repair Insurance

Garage Door Installer And Repair Insurance. If you are thinking about starting up a garage door installation and repair business, there's no doubt that you have a lot on your mind. You want to make sure you choose the best name for your company, that you have a well-designed website, and that you employ the best professionals and have the highest quality products to ensure you deliver exceptional service.

There's one thing that you might be overlooking, however: business insurance. Commercial insurance is vital for any business, including garage door installation. It safeguards you, your employees, and your clients from any legal issues that may arise. There are a lot of options available for garage door installer and repair insurance, so it's important to have a firm understanding of the policies you can get and what they offer.

Garage door installer and repair insurance protects your company from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.

Do You Need Garage Installation & Service Insurance?

Garage door installers are professionals who specialize in the installation and repair of various types of garage doors for both residential and commercial properties. Not only do you install the garage door, but you also install other elements that are needed to secure the door to the structure, such as the frame, any hardware that is needed, operators, trim, handles, and possibly even windows. You also make repairs to garage doors that were previously installed in a structure.

Because of the complexity of this job and the heavy equipment that is involved, there are several risks that are associated with this type of business. For example, if a door is not installed properly, it could cause an accident that results in an injury to someone, or it could damage property.

In order to protect the financial assets that are associated with your business in the event of an accident, a poor installation, or faulty equipment, garage door installer and repair insurance is a requirement in order to own and operate this type of business.

General Liability Insurance For Garage Door Service

If you operate a garage door installation and service company, there's one type of insurance that you are going to want to have: commercial general liability insurance. This type of policy is the most basic form of insurance for garage door installation companies and it provides coverage for several things, including:

  • Products liability: Under general liability insurance, any products you use will be covered, such as the garage door and the products that are used to install or repair it. For example, if there is an issue with the garage door after it has been installed or repaired, such as defective hardware that has prevented the door from opening and a client files a legal claim, products liability will cover the costs of the damage.
  • Premises Liability: It's likely that you have an office for your garage door installation and repair business. If you do, you need to make sure that you are protected from any injuries that may occur on the premises. Commercial general liability insurance also offers coverage for premises liability. So, in the event that a client slips and falls at your office and sustains an injury, your insurance policy will cover the costs medical care, as well as any legal proceedings that may arise.
  • Completed Operations: Completed operations offers protection for any issues with equipment that may arise after it has been installed. For instance, if there was an issue with the garage door frame that caused the door to fall on top of a customer after it was installed, the completed operations portion of commercial general liability insurance will cover the costs of any medical care that is needed, as well as legal proceedings that may arise.

Additional Insurance Coverage Options

There are other types of garage door installer and repair insurance coverage that you might want to consider purchasing for your garage door installation and repair company outside of general commercial liability insurance. These options include:

  • Business Auto Insurance - If you or your employees drive vehicles for your business, having a business auto insurance policy is a good idea. Should an car accident occur, this type of insurance will cover the damages the vehicle sustains, as well as bodily injuries and damaged equipment within the vehicle. Also most commercial auto policies also cover theft or vandalism.
  • Workers Compensation - If you have an non-owner employees on your payroll, you are likely going to be required to have workers comp. Each state differs regarding requirements for this type of insurance, but in general, it is meant to protect your company and your workers in the event someone is injured on the job. Accidents do happen while installing garage doors and your workers should be covered.

Garage Door Repair & Service Coverage Options

Work with your agent to provide information about your business and get quotes for your garage installer & repair insurance based on your specific situation and risk tolerance.

Small Business Economic Data & Insurance Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. Maybe you want to contribute to the economic growth of your community. Whatever the reason is, if you're thinking about starting a small business, it's important to understand pertinent information relating to small businesses in the United States; namely economic information and insurance regulations. After all, if you want your small business to succeed, you have to understand the economic trends organizations of a similar size in your area.

Likewise, you want to ensure that your small business is well protected with the right business insurance and that you are in compliance with the rules and regulations that pertain to commercial insurance in your region.

Small Business Information

Read up on economic statistics and insurance information that relates to small business owners in the United States.

Small Business Economic Data In The United States

Here's a look at some information that was compiled by the Small Business Association (SBA) regarding the economic data that pertains to small businesses in the United States:

  • In 2015, small businesses in the United States employed an estimated 58.9 million American workers, or 47.5 percent of the nation's private workforce.
  • Largest shares = fewer than 100 employees. The small businesses that employed 100 people or less had the largest share of employment amount small businesses.
  • Employment increased by nearly 2 percent. In 2018, employment amongst small businesses increased by 1.8 percent, which is an increase of 1 percent from the prior year.
  • Increase in proprietors. In 2016, the number of small business proprietors increased by 2.3 percent.
  • In 2015, small businesses were responsible for creating 1.9 million net jobs. Organizations that employed 20 people or less had the largest gains, as they added an estimated 1.1 million net jobs.
  • There were 5.7 million loans that were value less than $100,000 issued by lenders in the United States in 2016. These loans were issued under the Community Reinvestment Act.
  • Small business owners that were self-employed at the incorporated businesses that they owned reported a median income of $50,347 in 2016.
  • Small business owners that were self-employed at the unincorporated businesses that they owned reported a median income of $23,060 in 2016.
Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage. The SBA recommends the following insurance plans for small business owners:

  • Commercial Property Insurance: In the case of an unplanned disaster - fire, flood, vandalism, theft, etc. - this type of coverage will help you avoid paying for the damage out of your own pocket. Even if you rent the property, you should still carry commercial property insurance.
  • Commercial Liability Insurance: In the event that a legal situation arises - a negligence lawsuit, for example - commercial liability coverage will provide financial protection. It will cover the cost of legal defense fees, court fees, and even moneys that may be awarded.
  • Commercial Auto Insurance: If you operate a vehicle for any activities that are related to your business - transporting and/or delivering goods, or meeting with clients - commercial auto insurance is legally required for businesses of all sizes, including small businesses.

Additional Resources For Contractors & Home Improvement Insurance

Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.


Contractors And Home Improvement Insurance

A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.

Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.

Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.

In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.

An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.

Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.


Garage Door Installer And Repair Insurance
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