Siding Contractor Insurance Policy Information

Siding Contractor Insurance. Many people are looking to improve the appeal of their home with new siding installations. As a siding contractor, you'll be required to help homeowners with these siding installations.
If you are a siding contractor and want to keep your business safe, then you must have the right insurance coverage for your business. Get the siding contractor insurance coverage that will keep you and your business protected.
Siding contractor insurance protects your business from lawsuits with rates as low as $57/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked siding installer insurance questions:
- What Is Siding Contractor Insurance?
- How Much Does Siding Contractor Insurance Cost?
- Why Do Siding Contractors Need Insurance?
- What Type Of Insurance Do Siding Contractors Need?
- What Does Siding Contractors Insurance Cover & Pay For?
What Is Siding Contractor Insurance?
Siding contractor insurance is a type of insurance coverage specifically designed for contractors who specialize in installing, repairing, or replacing the exterior cladding of a building. It typically covers risks such as property damage, liability for bodily injury, and financial loss in the event of a job-related accident.
This insurance is important for siding contractors because it provides protection against potential financial losses and helps to ensure the safety of their employees and clients. It is a requirement for most contractors to have insurance in order to legally operate their business and protect themselves from potential lawsuits or claims.
How Much Does Siding Contractor Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small siding Contractors ranges from $57 to $79 per month based on location, stories, size, payroll, sales and experience.
Why Do Siding Contractors Need Insurance?
As a siding contractor, you are constantly working on and around properties, using tools and machinery, and dealing with potential hazards such as falls, cuts, and electrical shocks. In addition, you also face the risk of damage to properties, third-party injuries, and even lawsuits.
Insurance is necessary to protect your business and personal assets in the event of an accident or liability claim. Without insurance, you could be facing costly lawsuits and financial losses that could put your business and personal financial stability at risk.
Here are some of the reasons why siding contractors need insurance:
Protection from accidents: Accidents can happen at any time, and insurance can help cover the cost of medical expenses for injured workers, as well as any damages that may occur to properties or other third-party property.
Liability coverage: Siding contractors are exposed to potential liability claims if they cause damage to a property or cause injury to someone while working. Insurance can help cover the cost of such claims and provide peace of mind.
Tools and equipment coverage: Siding contractors often use expensive tools and equipment, and insurance can help cover the cost of replacement or repair if these tools are lost, stolen, or damaged.
Workers' compensation insurance: This type of insurance is required by law in most states and provides financial support for employees who are injured on the job.
Protection from lawsuits: Insurance can provide legal defense and help pay for settlements or judgments in the event of a lawsuit.
In conclusion, insurance is essential for siding contractors as it provides financial protection against accidents, liabilities, and lawsuits that could have a significant impact on their business and personal finances.
What Type Of Insurance Do Siding Contractors Need?
Siding contractors typically need the following types of insurance:
- General Liability: This insurance protects the contractor from third-party claims for property damage or bodily injury.
- Workers Compensation: This insurance covers medical expenses and lost wages for employees who are injured on the job.
- Commercial Auto: This insurance covers vehicles used for business purposes and protects the contractor from liability for damages or injuries caused by an accident.
- Umbrella Liability: This insurance provides additional coverage for general liability and other business insurance policies.
- Professional Liability: This insurance protects the contractor against claims of errors or omissions in their work.
It's important to note that insurance requirements vary by state and it's best to consult with a licensed insurance agent to determine the specific insurance needs for a siding contractor's business.
What Does Siding Contractors Insurance Cover & Pay For?

Siding contractors may face lawsuits for a variety of reasons, including:
Property Damage: Siding contractors may be sued for causing damage to a customer's property, such as damage to the house or surrounding landscape during installation or removal of siding. Insurance coverage, such as General Liability Insurance, can help pay for the damages caused and any legal fees.
Personal Injury: Siding contractors can also be sued if a customer or third party is injured on the job site, for example, if they fall off a ladder or slip on debris. Liability insurance can help pay for any resulting medical bills, lost wages, or legal fees.
Breach of Contract: Customers may sue siding contractors if they fail to complete the job according to the terms of the contract, such as finishing the job on time or using substandard materials. In such cases, Professional Liability Insurance can help cover the cost of legal defense and damages awarded in court.
Errors and Omissions: Siding contractors may also be sued for making mistakes or errors while performing their work, such as installing the wrong type of siding or failing to properly secure the siding. Professional Liability Insurance can provide coverage for any claims related to errors and omissions.
Employee Injuries: If an employee of a siding contractor is injured while working, the contractor can be sued for workers' compensation. Workers' compensation insurance can help cover the employee's medical expenses, lost wages, and other costs associated with the injury.
In general, insurance can protect siding contractors by providing financial protection against legal claims and other liabilities. By purchasing insurance coverage that is tailored to their specific needs, siding contractors can protect themselves from potentially costly lawsuits and mitigate the financial risks of operating a business.
Commercial Insurance And Business Industry Classification
- SIC CODE: 1761 Roofing, Siding and Sheet Metal Work
- NAICS CODE: 238160 Roofing Contractors
- Suggested Workers Compensation Code(s): 5551 Roofing - All Kinds & Drivers
Description for 1761: Roofing, Siding and Sheet Metal Work
Division C: Construction | Major Group 17: Construction Special Trade Contractors | Industry Group 176: Roofing, Siding, And Sheet Metal Work
1761 Roofing, Siding and Sheet Metal Work: Special trade contractors primarily engaged in the installation of roofing, siding, and sheet metal work.
- Architectural sheet metal work-contractors
- Ceilings, metal: erection and repair-contractors
- Coppersmithing, in connection with construction work-contractors
- Downspout installation, metal-contractors
- Duct work, sheet metal-contractors
- Gutter installation, metal-contractors
- Roof spraying, painting, or coating-contractors
- Roofing work, including repairing-contractors
- Sheet metal work: except plumbing, heating, or
- Siding-contractors
- Skylight installation-contractors
- Tinsmithing, in connection with construction work-contractors
Siding Contractor Insurance - The Bottom Line
Finding the best insurance for your business is crucial for success. If your business is ever sued having the right insurance policies covers you from huge financial losses. The best step you can take for your business if you haven't already is to find the right insurance policies to keep you and your employees protected.
Speak with an independent insurance agent so that you can get started finding the right insurance coverage for your business.
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.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Carpentry
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- Handyman
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Landscaping
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Locksmith
- Oil And Gas Well Drilling Contractors
- Painters
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Plumbing
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Subcontractor
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tank Cleaners
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors

The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as:
Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded.
Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment.
Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time.
Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages.
Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.