Auto Glass Installation Service Insurance

How to Insure Your Auto Glass Installation Service

How business insurance helps you protect your livelihood.

Auto Glass Installation Service Insurance

Auto glass installation services provide a variety of auto glass repair and replacement services for cars, trucks, and vans. Many auto glass installation services offer auto glass repairs and replacement on their premises, as well as mobile repairs where the technician comes to the customer’s home or place of work to do the repairs. 

Owners of auto glass installation services need business insurance to protect their assets from the risks associated with servicing vehicles. With appropriate auto glass installation service insurance and the help of an independent insurance agent, you can face your risks and stay in business for the long term.

Why Do You Need Auto Glass Installation Service Insurance?

Auto glass installation services face the following types of business risks.

  • Customer/general public slips and falls in the shop
  • Worker illness or injury
  • Faulty workmanship or parts
  • Fire, bad weather, vandalism, or theft
  • Damage to a customer’s vehicle while in your care
  • Damage to a customer’s property while servicing a vehicle at a home
  • Causing an injury to a customer while servicing a vehicle at a home
  • Employee theft or crime
  • Business interruption

Auto glass installation service insurance protects your business from these and other risks that you face every day.

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What Does Auto Glass Installation Service Insurance Cover?

Auto glass installation services need for the following types of basic business insurance.

  • Commercial property insurance: Protects you if a fire, vandalism, smoke, theft, or other event damages your property. It provides coverage for lost inventory, office equipment, computers, and more. Most commercial property policies also include business interruption coverage. This will pay for rent, employee salaries, and other expenses if your business must close temporarily due to an unforeseen disruption.
  • Commercial general liability (CGL) insurance: Provides protection for most basic liability issues that an auto glass installation service could face. It protects you from the costs of lawsuits related to accidents, property damage, and a variety of other mishaps both on your premises and while you’re installing auto glass at a customer’s home or place of work. It also provides products and completed operations coverage, which covers injuries or property damage that arise from the glass that you install or the work that you perform. You may want to consider garage liability insurance, which provides several forms of liability insurance more specifically designed for the needs of garages and auto service shop owners.
  • Business owners policy: Also known as BOP, this is a package policy designed for small businesses. It combines property, liability, and business interruption coverage in one affordable policy.
  • Employee theft and crime coverage: Can protect your business from the costs of theft, dishonesty, and fraudulent acts committed by a single employee or a group of employees.
  • Commercial auto insurance: Covers any vehicles that your business owns. This is essential to cover your technicians as they drive your company-owned vehicles to mobile auto glass service locations (e.g., customers' homes). It provides liability protection if a driver causes an accident, and it can provide physical damage coverage for your vehicle fleet as well.

An independent insurance agent can help you tailor these policies for your unique needs.

What Is Garagekeepers Liability Insurance?

Garagekeepers liability insurance is specialty business insurance coverage for all kinds of auto repair shops, including auto glass installation services. It protects you when customers leave their vehicles in your possession in order for you to perform your work.

Garagekeepers liability insurance protects you if a customer’s vehicle is damaged due to your negligence while it is in your care, custody, or control. This protection is not included in the standard garage liability policy.

Garagekeepers liability insurance does not cover the contents of a customer’s vehicle, and also does not cover damage that occurs as a result of faulty workmanship, parts, or insufficient warrantees.

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Do You Need Workers’ Compensation Insurance?

Auto glass installation shops can be dangerous places, particularly for the employees who do the work. If one of your employees gets injured while on the job, he or she may face crushing medical bills, and may also not be able to work until fully recovered.

Workers’ compensation insurance protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for an injured worker while he or she is unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.

How Much Does Auto Glass Installation Service Insurance Cost?

The cost to cover your auto glass installation service with a comprehensive business insurance program will vary depending on the following information.

  • The size of your shop
  • Your shop’s location
  • The number of employees you have
  • The services you provide
  • The value of your commercial property, including your building (if you own it) and all of its contents
  • The types of coverage and the coverage limits that you require
  • The crime and weather risk in your city

Your agent can help you find coverage that meets your needs and budget. 

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Benefits of an Independent Agent

An independent insurance agent who has experience working with auto glass installation services and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Find and Compare Quotes for Auto Glass Installation Service Insurance

Instead of getting an online quote, find an independent insurance agent now, and get a one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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TrustedChoice.com Article | Reviewed by Paul Martin

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