Florida Door and Window Repair Contractor Insurance quote and information.

1. How do insurance companies define Window Installers?
2. What risk exposure do Window Installers have?
3. What is the price of Window Installers insurance?
4. Is insurance for Window Installers required in Florida?
5. What coverages are common to Window Repair businesses?
6. Can you provide insurance anywhere in the state?

How do insurance companies define Window Installers?

Door and window installers prepare the opening, hang the door or window in the opening and seal the opening. This provides a moisture barrier that protects the house from weather related damage. Installers may or may not sell the windows or doors. Installers represent one manufacturer exclusively or represent several. Some installers have no inventory. Others have showrooms and even warehouses full of merchandise.

Have a Quick Question?

What risk exposure do Window Installers have?

Property Exposures

Depend on the whether the installer has a showroom and/or inventory. If the installer accepts delivery of merchandise on behalf of the client at its own location, the property to be covered includes all windows and doors awaiting installation. In addition to windows and doors, the contractor may have lumber and other building materials to use in the window and door installation.

Inland Marine Exposures

Consist of the contractors’ equipment and installation floaters. Tools are the primary contractor’s equipment exposure but, in addition, there may be other equipment such as ladders and scaffolding needed to reach upper levels. The installation floater exposure varies depending on whether the contractor delivers the windows and doors or has them drop shipped to the job site. The contract with the client determines who is responsible for the windows and doors.

Premises Liability Exposures

Consist of the contractors’ equipment and installation floaters. Tools are the primary contractor’s equipment exposure but, in addition, there may be other equipment such as ladders and scaffolding needed to reach upper levels. The installation floater exposure varies depending on whether the contractor delivers the windows and doors or has them drop shipped to the job site. The contract with the client determines who is responsible for the windows and doors.

Completed Operations

Liability exposures are important. Quality control and strict compliance with all manufacturer’s and designer’s specifications are necessary. Poor record-keeping may result in payment of otherwise questionable claims. Especially important are the inspection and acceptance of the work by the owner or general contractor. Inadequate monitoring of work orders and change orders may be an area of concern. Improper exterior sealing can lead to moisture buildup and growth of mold and other forms of fungus.

Automobile Exposures

Depend on who delivers the doors and windows. If the installer only installs and the factory delivers the product to the job site, the exposure is usually limited to pickup trucks and vans. However, if the installer delivers windows and doors, the exposure can be more difficult, especially if custom or out sized windows and doors are involved. Hazards include failure to properly secure the load and equipment failure, especially tie-downs and hitches. Poor driver selection and training, and inadequate supervision present significant risks, especially in cases of over sized loads. Failure to monitor driving records or to ensure drivers have the appropriate training and license may also be a concern. Vehicle age, condition, and maintenance are all important items to consider.

Workers Compensation

Hazards depend on where the doors or windows are being installed. Installation jobs above grade jobs include the possibility of falling because old windows must be removed before new ones can be installed. Exterior work on the windows usually involves scaffolding. There is the potential for glass cuts as well as hammer, chisel and saw related injuries. Lifting injuries, hernias, strains, sprains and back injuries may also occur. Minor injuries may be frequent even when the severity exposure is controlled. Absence of basic safety equipment, such as scaffolding safety belts, steel toed shoes, and eye protection may indicate a morale hazard. Employee selection, training and supervision also affect loss potential. If the installer also customizes the doors and windows, dust and machinery hazards may be present.

Have a Quick Question?

What is the price of Window Installers insurance?

There’s no single price, because insurers rate each window installer on its own details. The biggest factors are the ones our quote form asks about: your payroll and number of employees, which drive the workers’ compensation premium; your annual revenue; how much of your work is residential or new residential construction; whether you work above three stories or do any roofing; whether you use subcontractors and whether they’re insured; the liability limits you want; your years of experience; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Window Installers required in Florida?

Door and window installation is on Florida’s list of construction class codes (class code 5102, Rule 69L-6.021), so Florida requires workers’ compensation as soon as you have one employee. Owners who are corporate officers or LLC members count as employees unless they hold an exemption (Florida Division of Workers’ Compensation).

If your work requires a state contractor license, that license also requires public liability and property damage insurance (Rule 61G4-15.003, Florida Administrative Code). Your county, and any general contractor you work for, may also require proof of insurance before you start a job.

What other insurance should a Window Installer consider?

Business Personal Property, Contractors’ Equipment, Installation Floater, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Commercial Auto, Workers Compensation

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.