Window Installer Business Owners Policy Risk

A window installer business owner insurance policy (BOP) covers your company for many of the perils you face as a business proprietor. The policy was built from an understanding of the exposures that a window installer faces. The unique aspect of the BOP is both the liability and property risks are combined into one policy instead of being two separate policies. This gives you more options because there are add-on endorsements that if purchased, could go even further in creating a truly comprehensive insurance program for your business.

Window Installer Business Owners Insurance

business owners insurance for window installation crews

Listed below are some (not all) of the significant liability and property insurance protections you will receive in a business owners policy.

Business Liability

If you read a general liability (GL) policy also known as a CGL (commercial general liability) policy, alongside the business owner's liability section, you will notice that they are pretty much the same. The business owners insurance policy incorporates all of the liability coverages. This includes property damage, bodily injury, products and completed operations, damage to premises rented by you, personal and advertising injury, medical payments and others. Add-ons like the ones below are also available. The bottom line is that the business liability portion of the business owner's insurance policy protects you from the potentially biggest game changer of them all—being sued.

Business Personal Property

You will normally find covered personal property listed on the policy such as appliances, clothing and furniture. Personal property may also be handled by exclusion which means the policy will state what is actually not covered. For example, cash is not covered as business personal property.

Building and Structures

A structure owned by you that incurs damage by a covered loss makes up the property portion of the business owners insurance policy. This coverage also contemplates detached buildings that are part of the property as well as any additions or improvements you made as long as they are permanent.

Business Income and Expense Coverage

If you’re like many small contractors, any significant time without cash coming in is perilous to your company. However, if a fire hits and your inventory is ruined, that may be just what happens. Business owner's insurance restores that income so expenses can be paid during the time it takes for your business to get back in operation (with a time limit of usually one year).

Valuable Papers, Documents and Receivables Coverage

If the fire you experienced was so grievous that it destroyed your records to the point that your receivables documentation was incinerated, business owner's insurance coverage will pay those receivables. It will also pay for the drying out and restoration of any significant papers that were damaged by the fire.

Employee Dishonesty Coverage

This coverage on your business owner's policy protects you from the nefarious actions of a dishonest employee that eventually results in a claim against your business. Examples of this might be an employee that steals data or embezzles from your company.

Other Important Coverages

  • Newly Acquired or Constructed Buildings
  • Equipment Breakdown
  • Products and Completed Operations
  • Electronic Data
  • Tools
  • Tenant betterments and Improvements
  • Outdoor Signs
  • Inland Marine
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Business Information (Required)
Business Type
Business Name
Full Time Employees
Legal Entity Type
Part Time Employees
Years In Business
Hired Sub Contractors
Yearly Gross Sales
Employee Yearly Payroll
Property SqFt (Occupied)
Building Coverage
Liability Limits Needed
Prop. Deductible
Business Personal Property
Description Of Operations
Additional Coverage Selection (Not Required)
Workers Compensation
Professional Liability
Umbrella Liability
Commercial Auto
Contact Information (Required)
First Name
Last Name
Business Address
Zip Code
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Alt Phone
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