Installation Insurance
Insurance Designed for Accurate, Safe, and High-Quality Installations
What Is Installation Insurance?
Installation Insurance is specialized protection for businesses and professionals who install products, systems, or equipment in residential, commercial, or industrial settings. This includes installers of appliances, flooring, windows, doors, HVAC systems, electrical components, plumbing fixtures, solar panels, security systems, cabinets, signage, and more.
The coverage protects your business from risks such as accidental damage during installation, faulty workmanship claims, injuries on the job, equipment loss, and damage to materials. Whether you operate as an independent installer or manage a full installation team, this insurance ensures your work and your business are properly protected.
Why Do You Need It?
Installation work carries a high level of risk—heavy lifting, power tools, complex systems, and work performed inside customers’ homes or businesses. A single mistake, dropped tool, damaged product, or installation error can lead to costly claims and harm your reputation. Without proper coverage, you may be responsible for repairs, replacements, legal fees, or injury-related costs.
Installation Insurance protects your business by covering liability claims, equipment losses, property damage, and other unexpected incidents. It gives you the confidence to work efficiently and professionally while safeguarding your financial stability.
Types of Installation Insurance
General Liability Insurance – Covers accidental damage to customer property, injuries, or third-party claims that occur during installation.
Professional Liability (Errors & Omissions) – Protects against claims involving installation mistakes, faulty workmanship, or incorrect advice.
Commercial Property Insurance – Covers your office, storage facility, tools, equipment, and materials from fire, theft, or vandalism.
Tools & Equipment Coverage – Protects drills, saws, ladders, power tools, and specialty installation equipment from theft or damage.
Commercial Auto Insurance – Covers vehicles used to transport tools, equipment, and installation materials.
Inland Marine Insurance – Protects materials and tools while in transit or stored temporarily off-site.
Workers’ Compensation – Provides coverage for employee injuries during installation work, lifting, or equipment use.
Business Interruption Insurance – Helps cover lost income if a covered event halts or delays your installation operations.
Equipment Breakdown Coverage – Covers repair or replacement of critical installation tools or machinery that unexpectedly fail.
Contractor’s Liability Coverage – Protects your business when entering installation contracts that require specific liability protections.