As a door and window contractor, insurance is essential for protecting you against the unique risks associated with your trade. Protect yourself from potential liabilities such as third-party injuries and property damage that could occur during the installation process. Don’t let a mistake or accident derail your business, let us make sure you have the insurance coverage you need.

Too often, insurance providers offer standard, packaged solutions they assume will work for all door and window contractors. Our specialists in construction risk will work with you to review your portfolio, identify any associated exposures and draw up a custom solution that’s suited to your unique needs. Whether you are a tradesperson working alone, a large construction firm or an independent engineer/architect, our over 30 years of in-depth experience in working with the door and window industry have given us the unique expertise to craft coverage that’s specific to you and your business.

As a door and window contractor the risks you face are unique to you and your insurance should reflect that. Door and window contractor’s Insurance will provide coverage for anything from broken windows to theft of tools.

• As an installer if you have a showroom and/or inventory you will have property exposures. If you accept delivery of merchandise on behalf of the client at your own location, the property to be covered includes all windows and doors awaiting installation. In addition you may have lumber and other building materials to use in the window and door installation that will need coverage.

• Inland marine coverage protects windows and doors as well as equipment such as tools, ladders and scaffolding needed to reach upper levels, while it is in transit. The coverage you require will depend on whether you deliver the windows and doors or have them drop shipped to the job site, as well as the contract with the client.
  

• Occupier’s Liability exposures at existing structures include removal of the current windows and doors and all carpentry necessary to prepare the opening for the new window or door. Employees can cause damage to the client’s other property or bodily injury to members of the household. In addition, unprotected openings allow weather conditions and criminals to enter and children or others to fall out of the structure. Showrooms present the standard retail trip and fall hazards.
  

• Workers compensation hazards depend on where the doors or windows are being installed. Installation jobs above grade include the possibility of falling when old windows are removed. 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. If the installer also customizes the doors and windows, dust and machinery hazards may be present.
  

• Automobile exposures depend on who delivers the doors and windows. If the installer only installs and the factory delivers the product to the jobsite, 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 outsized windows and doors are involved. Hazards include failure to properly secure the load and equipment failure, especially tie-downs and hitches.