Getting the Right Kind of Insurance for Your Window Replacement Business

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December 20, 2022 | By RGR Marketing Blog

What Kinds of Insurance Do Contractors Working on Windows Need?

The Covid pandemic has impacted the world in ways we never would have imagined. One such way is that it caused so many Americans to reflect on their lives and the amount of satisfaction they have in their jobs. The result is what has become known as the Great Resignation, the Big Quit, and the Great Reshuffle.

Since Covid, more and more Americans are leaving their old jobs and starting out on new business endeavors that bring them more satisfaction and peace of mind. For those entering the home improvement business, this means learning the ins and outs of not only construction but everything that goes along with it, like having the right insurance.

If you are starting a window replacement business, then you need the right type of business insurance to help protect you and your assets. Here’s what you need to know.

What Kind of Insurance Does a Window Replacement Business Need?

Before you pick up your hammer and get to work on someone’s house, you need to be insured. The most common and comprehensive type of policy today’s business owners rely on is general liability insurance.

While there is no legal requirement for window contractors to carry this type of insurance, it is the only thing that will protect you should your business ever be sued. Without it, you could end up facing damages totaling hundreds of thousands of dollars or more.

Having general liability insurance for your window replacement business will provide you with financial protection against things like:

Bodily injury
Property damage
Medical payments
Legal defense and judgments
Personal and advertising injury
And more

Examples of Why Liability Insurance is So Important for Window Contractors

There are an endless number of examples for why you need liability insurance for your window replacement business, but here are a few common instances:

Example 1: You accidentally hire someone who isn’t experienced at installing windows properly and they botch a job that causes $25,000 in damages to the client’s home. If you are taken to court and the court finds you at fault, then your general liability insurance would cover your legal fees and any of your client’s damages.

Example 2: While visiting your business in the winter, your client slips on an ice-covered sidewalk and injures himself. His injuries result in extensive medical bills and his not being able to work for several months and thus he decides to sue you for $75,000. If you have general liability insurance, your legal fees and any damages awarded by the court will be covered.

Other Types of Insurance a Window Contractor Needs

General liability insurance is just one of the policies you will want to have when starting out with your windows replacement business. Other types of insurance that you should be carrying can include:

Commercial Property Insurance: This policy will cover the physical assets of your place of business against losses caused by fire, storm damage, theft, or vandalism.
Worker’s Compensation Insurance: If you have employees, then you will need Worker’s Compensation Insurance. This type of policy helps cover lost wages and medical expenses should one of your employees get hurt on the job.
Commercial Auto Insurance: If you use a box truck or flatbed to transport your windows from your warehouse to the work site, then you will need a Commercial Auto Insurance policy. This will help cover the cost to repair damage to your vehicle and anyone else involved in the event of an accident. It will also pay for medical bills if anyone is injured.
Inland Marine Insurance: Commercial auto covers your vehicle in an accident, but it doesn’t cover your cargo if it gets damaged. To ensure that your windows and equipment are covered, you will need inland marine insurance.

After Insurance, Your Next Need is Leads

Now that you have your insurance needs all figured out, your next step will be to start building your sales funnel, and to do that, you will need leads. For new businesses, one of the best ways to get off the ground is to purchase window replacement leads from a reputable provider.

At RGR Marketing, we have been providing businesses with the targeted leads they need to maintain steady growth for more than 20 years. Our leads are pre-scrubbed and verified for accuracy, so you don’t have to worry about wasting time and resources pursuing dead leads or being frustrated by things like duplicate leads, incorrect data, or incomplete contact information.

If you need window replacement leads, partner with RGR Marketing and get exclusive access to the leads you need to start filling in your work calendar. To learn more about the benefits of working with our purchased leads, contact RGR Marketing today.

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What Kinds of Insurance Do Contractors Working on Windows Need?

What Kind of Insurance Does a Window Replacement Business Need?

Examples of Why Liability Insurance is So Important for Window Contractors

Other Types of Insurance a Window Contractor Needs

After Insurance, Your Next Need is Leads

Start making more
money today!

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What Kinds of Insurance Do Contractors Working on Windows Need?

What Kind of Insurance Does a Window Replacement Business Need?

Examples of Why Liability Insurance is So Important for Window Contractors

Other Types of Insurance a Window Contractor Needs

After Insurance, Your Next Need is Leads

Start making more money today!

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