Door and Window Installation Insurance Quotes

Insurance is a pain, but you need it. Most agents can’t tell a vinyl window from a commercial storefront, and it shows in the quotes they send. That’s why we built ContractorNerd: real quotes from carriers who actually write installation contractors, and agents who’ve hauled glass up three flights of stairs themselves.

We’ve seen quotes from all types of door and window installers. Pricing is all over the map depending on what you actually do. If you’re tired of getting hammered by high premiums or left with coverage gaps, you need to see real quotes side by side. Benchmark quote data shows typical premiums ranging from 1% to 3% of revenue.

• Workers’ Compensation requirements under NCCI class codes 5102, 5462, or 5645 with typical rates of $4-$12 per $100 of payroll
• Classification code 91746 for door, window, or assembled millwork installation, service, or repair (metal)
• Additional coverage options including Tools & Equipment, Commercial Auto, Installation Floater, and Umbrella insurance
• State-specific variations and whether you’re doing residential versus commercial work

Want to know what you should actually be paying for door and window installer insurance? Get quotes built for contractors, not some desk jockey who’s never carried a window.

Door and Window Installation Insurance – What Do You Need?

What you need depends on your crew, whether you’re doing houses or storefronts, and if you’re hauling glass or just frames. Here’s the real breakdown:

Sole Proprietor Door and Window Installers:

General Liability for Door and Window Installation is the foundation, covering property damage and non-employee bodily injury. When customers ask if you’re licensed and insured, this is what they mean.

Tools & Equipment (Inland Marine) covers your installation tools, laser levels, drills, saws, and specialty equipment. If it gets stolen from your truck or damaged on site, this pays out.

Contractor’s E&O (Faulty Workmanship) protects you when a customer claims improper installation, leaking windows, or doors that don’t seal right. Covers you if they sue for installation mistakes.

Commercial Auto is required if you’re hauling materials, towing trailers, or using trucks for installations. Your personal auto policy won’t cover business use.

Small Door and Window Business (2-3 Employees):

Workers compensation is required when you hire employees (not subcontractors)

Commercial property covers your shop, warehouse, and stored inventory of windows and doors. If fire or theft hits, this protects your business.

Excess Liability / Umbrella Insurance should be considered, especially if you’re working on high-value properties or commercial buildings

Established Door and Window Business (5+ Employees):

Installation Floater covers materials in transit and at job sites. Pallets of windows, custom doors, and specialty glass. If it’s damaged before installation, you’re covered.

Commercial Property with higher limits for larger inventory values and equipment storage

EPLI (Employment Practices) protects against employee lawsuits for wrongful termination, discrimination, or harassment claims.

General Liability Insurance for Door and Window Installers

If you only buy one policy, make it General Liability. Installers deal with real risks: working at heights, hauling heavy glass, cutting into walls, and getting hammered by the weather. Here’s what usually goes sideways:

Property Damage: Accidental damage during installation including scratched floors, damaged siding, broken trim, cracked stucco, drywall damage, or damage to adjacent windows and doors

Bodily Injury: Customer, visitor, or bystander injuries from falling glass, dropped materials, tools, or debris during installation work

Completed Work: Lawsuits over issues from past installations, such as windows that leak, doors that fail, or improper flashing that causes water damage (Add-On)

Products Coverage: Claims related to defective products you installed, even if the manufacturer is at fault (Add-On)

Liability Limits for Door and Window Installation Contractors:

GL is what protects your business when installations go wrong. A window falls during installation, someone trips over materials, or a past job develops leaks. Whether you’re doing replacements, new construction, or a commercial storefront, you need it.

General liability insurance for door and window installation contractors typically covers:

• Bodily injury claims from accidents involving homeowners, building occupants, or pedestrians
• Property damage to customer buildings, floors, walls, landscaping, or adjacent structures
• Personal and advertising injury claims, including copyright infringement or misrepresentation
• Products and completed operations coverage for issues discovered after installation is finished
• Medical expenses for minor injuries sustained by others at your job sites

Standard coverage limits are typically $1 million per occurrence and $2 million aggregate annually, though many contractors opt for higher limits depending on project size and client contracts. Commercial projects often require $2M/$4M or even higher limits.

Door and window installation contractors face specific risks that impact insurance quotes. Working at heights on ladders and scaffolding, handling heavy glass and materials, cutting into existing structures, exposure to weather during installation, and potential water intrusion from improper installation make comprehensive GL coverage essential. The classification code 91746 (Door, Window or Assembled Millwork – installation, service or repair – metal) reflects these risk exposures.

Insurance quotes for door and window installers swing a lot. Depends on your revenue, if you’re doing houses or storefronts, and whether you’re handling glass or just frames. Here’s what we see most often:

Revenue Level	National Average	Favorable Rate	Potential Savings	Low % of Revenue	High % of Revenue
$50,000	$2,950	$1,350	54%	2.7%	6.0%
$150,000	$5,600	$2,250	60%	1.5%	3.8%
$500,000	$13,500	$5,250	61%	1.1%	2.7%

The bigger your business, the less you pay (percentage-wise) for insurance. Small shops get hit hardest, but once you scale up, the rates get better.

State-Specific and Work Type Variations

GL rates jump around by state and by job type. Storefronts and curtain walls cost more than swapping out windows in houses. If you’re handling big glass, expect to pay more than if you’re just installing vinyl or aluminum frames.

You need an agent who understands installation work. Not just “general contracting.” Make sure they know the difference between residential retrofits and commercial new construction, and whether you handle glass or just frames.

Workers’ Compensation Insurance for Door and Window Contractors

Workers’ comp isn’t optional. Once you hire employees, you need it. Installers face real injury risks: falls off ladders, back strains from heavy lifting, cuts from glass and metal, and repetitive motion injuries.

NCCI Classification

Door and window installation contractors fall under different NCCI class codes depending on their specific work:

Class Code 5102 – Door and Window Installation (All Types, Residential and Commercial): Covers general door and window installation work, including vinyl, wood, aluminum, and fiberglass units in both residential and commercial settings.

Class Code 5462 – Glazier – Away From Shop & Drivers: Applies to contractors primarily installing glass, including plate glass, window glass, mirrors, and specialty glass products. This code typically has higher rates due to glass handling risks.

Class Code 5645 – Aluminum Storm Doors or Windows Installation: Specific classification for contractors focused on storm window and door installation, typically lower-rated than general installation work.

Make sure your payroll is classified right. Mixing glazier work with standard installation under the wrong code either costs you money or leaves you underinsured.

Workers’ Comp Rates

Expect to pay $4 to $12 per $100 of payroll for workers comp. Glaziers pay the most, storm window guys pay the least. Rates swing based on:

• Company safety record and experience modification rate
• State regulations and benefit levels
• Specific installation operations (residential vs. commercial, glass vs. non-glass)
• Payroll classification accuracy
• Safety equipment usage and training programs (fall protection, proper lifting techniques)

Install work is tough and comes with real fall and cut risks. If you want to keep your comp rates down, run a tight safety program. Ladder safety, material handling, and cut-resistant gloves all count.

Additional Insurance Door and Window Installers Should Consider

Once you’re past the startup headaches, you’ll need more than just the basics. Here’s what to look at next:

Tools & Equipment Insurance (Inland Marine)

Inland Marine Insurance protects specialized installation equipment during transit and at job sites against loss, theft, or damage. This includes laser levels, power tools, table saws, pneumatic nail guns, caulking equipment, and specialty measurement tools. Annual premiums range from $400 to $2,500, with policy limits of $5,000 to $75,000+.

Contractors’ E&O Insurance

Protects against business mistakes and negligence claims in installation work. Covers costs if clients claim improper installation techniques, failure to waterproof correctly, incorrect measurements resulting in a poor fit, or inadequate structural support. Includes professional negligence claims, legal defense, and judgments. Annual premiums range from $200 to $3,000, with policy limits of $ 10,000 to $1M+.

Installation Floater (Builders Risk)

Covers materials, products, and equipment while in transit to job sites or stored at customer locations before installation is complete. Essential if you’re carrying expensive inventory of custom windows, specialty doors, or commercial glass. Protects against theft, damage, or loss of materials between your shop and final installation. Annual premiums range from $500 to $2,500, depending on average inventory values.

Commercial Auto Insurance for Door and Window Contractors

Commercial auto insurance protects work vehicles and covers liability from accidents during business operations. Essential for installation companies operating box trucks, cargo vans, flatbed trucks, and equipment trailers. Personal auto policies don’t cover business use. Premiums range from $1,800-$4,500 per vehicle annually, with higher rates for larger trucks carrying valuable materials. Standard limits are $100K per person, $300K per accident, and $100K property damage, though higher limits ($1M-$2M) are recommended.

Bonds for Door and Window Installation Contractors

Some states or municipalities require contractor bonds for licensing. Typically $5,000 to $25,000 bond amounts, with premiums of 1-3% of the bond value annually. Required more often for commercial work than residential.

Commercial Property Insurance for Door and Window Contractors

Commercial property insurance protects buildings and contents (inventory, tools, materials, equipment) against fire, theft, vandalism, and weather damage. Critical for installation businesses with warehouses, shops, or showrooms storing window and door inventory. Annual premiums range $1,500-$6,000, based on property value, location risks, and inventory values. Consider whether you need coverage for products you’ve fabricated but not yet installed.

Commercial Umbrella Insurance for Door and Window Installers

Umbrella insurance provides additional coverage above your GL, auto, and workers comp limits. If a major claim exceeds your primary policy, umbrella coverage kicks in. Installation accidents, especially involving glass, falls, or water damage, can result in large claims. Most contractors add $1M to $3M in umbrella coverage. Costs approximately $500 to $1,200 per million in coverage.

Get the Right Door and Window Installation Insurance Coverage Today

Insurance isn’t just paperwork, it’s what keeps your business alive when things go sideways. GL covers you if you break something, comp protects your crew, and the right mix lets you go after bigger jobs without sweating it.

Knowing what you need is step one. The real challenge is finding quotes from carriers who actually understand installation work. Most agents can’t tell the difference between a residential retrofit and a commercial storefront, so you end up with mismatched coverage or inflated premiums.

ContractorNerd connects you with carriers who actually write door and window installer accounts. Our agents know the risks, the right NCCI codes, and what safety practices really move your rates.

Whether you’re a one-man show or running a bunch of crews, our platform gets you quotes from carriers who actually want your business. No more wasting time with agents who don’t get what you do.

Ready to get covered the right way? Get real quotes from agents who speak contractor, not insurance mumbo jumbo.