Installation Insurance

Protect your small business with commercial insurance.

Why Orr and Associates?

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Our Policies

General Liability Insurance

General liability insurance protects businesses from claims of property damage, bodily injury, and personal injury during operations or from their products/services. It covers legal fees, medical expenses, and defense costs.

Business Owner’s Policy

Business Owner’s Policy (BOP) is a bundled insurance policy for small to medium businesses that combines multiple coverages at a lower cost, including property damage, bodily injury, and business interruption protection.

E&O Insurance

E&O insurance, or Errors and Omissions insurance, provides protection for businesses against claims of professional negligence. It covers legal fees and settlement costs related to errors or omissions in providing professional services.

Commercial Auto Insurance

Commercial auto insurance covers vehicles used for business purposes, providing protection against accidents, theft, and damages. It includes liability coverage for bodily injury, property damage, and covers associated expenses.

Workers’ Compensation

Workers’ compensation provides financial protection to employees for work-related injuries or illnesses. It covers medical expenses, lost wages, and disability benefits, ensuring that workers receive proper care and compensation.

Surety Bonds

Surety bonds provide financial protection by guaranteeing the fulfillment of obligations. They involve three parties: the principal, obligee, and surety.

Why is insurance important for an Installation business?

As an installation company, having insurance is important to protect your business, clients, employees, and manage potential risks associated with your services. Installation businesses face various challenges and exposures that can lead to financial losses or legal liabilities. Here are some important types of insurance that installation companies typically need:

1. General Liability Insurance: General liability insurance provides coverage for bodily injury or property damage that may occur during your installation projects. This can include accidents at the installation site or damages to third-party property. General liability insurance helps cover legal defense costs, settlements, or judgments if your company is found liable for such incidents.

2. Professional Liability Insurance (Errors and Omissions Insurance): Professional liability insurance, also known as errors and omissions (E&O) insurance, is important for installation companies that provide technical services or expertise. It provides coverage for claims arising from alleged negligence, errors, or omissions in your installation services. This insurance protects you in case a client alleges financial loss or damages resulting from mistakes or deficiencies in your work.

3. Workers' Compensation Insurance: If you have employees, workers' compensation insurance is typically required by law in most jurisdictions. It provides benefits to employees who suffer work-related injuries or illnesses. Workers' compensation insurance covers medical expenses, disability benefits, and lost wages for employees, reducing your liability in case of workplace accidents or occupational illnesses.

4. Commercial Auto Insurance: If your installation company uses vehicles for business purposes, commercial auto insurance is necessary. It provides coverage for damages or injuries that may occur in accidents involving your company vehicles. Commercial auto insurance includes liability coverage, physical damage coverage for your vehicles, and coverage for medical expenses and property damage.

5. Commercial Property Insurance: Commercial property insurance protects your physical assets, such as your office, warehouse, tools, and equipment, against perils like fire, theft, or natural disasters. It covers the costs of repairing or replacing damaged property, ensuring your business can recover quickly in case of unforeseen events.

6. Inland Marine Insurance: Inland marine insurance covers movable property and equipment in transit or temporarily stored away from your primary location. This insurance is particularly important if you transport equipment to various job sites.

7. Business Interruption Insurance: Business interruption insurance provides coverage for financial losses and expenses if your installation operations are temporarily interrupted due to unforeseen events, such as fire, natural disasters, or accidents. It compensates for lost income, ongoing expenses, and facilitates a smoother recovery process.

Having the right insurance coverage helps protect your installation company from potential financial risks, ensures you comply with legal requirements, and provides peace of mind as you conduct your business. It's important to consult with an insurance professional who specializes in installation company insurance to assess your specific needs and determine the appropriate coverage for your business.

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