Garage Door Installer
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Purchasing business insurance for garage door installers is a major business activity partially because your business has a lot of inherent exposure meaning many things can go wrong. You could damage property when you or an employee are installing the door, an employee could get injured on the job and you could get sued for any number of reasons.
The only thing that protects your business from claims that could ruin it is good business insurance designed for a small to medium size company like yours.
You have to make sure you are covered properly and with policies that offer as much flexibility as possible. It is also good if you can easily customize the coverage as your business evolves. The best insurance program will cover all of the known exposures you face. Usually, liability, property, commercial auto and workers comp coverages are all you need.
When you think of liability, the first word that may come to your mind is lawsuit. You know that one of those, no matter what, has the potential to hit your business where it hurts—in the pocketbook. It could hit so hard, in fact, that your livelihood could be permanently destroyed. And the possibility for your business being found liable for an unintentional act, is always out there. Take steps to secure your business and employees from the unpredictable.
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The advantage of the business owners policy is that it streamlines major insurance coverages (liability and property and all of their related situations) into one convenient package. Because of that, it may be more affordable for you than if you bought those coverages separately. This is why the BOP can be so appealing to small and medium size business owners/contractors.
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Talk about far-reaching protection. This workers comp insurance policy will help your employee heal and get back to work in a variety of ways. First, the medical bills stemming from the job related injury or illness are all paid for. There are strong benefits built in for rehab and re-training, if needed, as well as disability payments and death benefits paid out to dependents of the employee.
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It may be tempting for you or an employee to transport garage doors to a work site in a personal pick-up truck. But if that truck is not covered by a commercial auto policy, and you or your employee is involved in an accident on the way there, your personal auto insurance will deny such a claim. A commercial auto insurance is written for the additional risks that arise when vehicles are used for work.
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