Expert Q&A: How big should my insurance policy be?

Question:

How big should my insurance policy be?

Answer:

To bill the insurance companies for windshield repair, you must obtain a $500,000 general liability insurance policy. Often, general liability policies do not cover damage to the vehicle. So, we recommend discussing garage keeper’s coverage with your insurance agent. Determine if this add-on policy is right for you. Typically, it may be possible to use a garage keeper’s policy if damage occurred to the vehicle, whether by you or some other means, when it is in your care, custody, and control.

Expert Q&A: Where can I find the best rate on $500,000 to $1,000,000 of liability insurance?

Question:

Where can I find the best rate on $500,000 to $1,000,000 of liability insurance to start my windshield repair business?

Answer:

You should be able to contact any insurance company to request a quote, or you can google “where to get 500K worth of general liability insurance” and many reputable companies pop up.

While we do not recommend or endorse any insurance companies, many of our customers have found that RLI offers very competitive rates. Chris Alexander (information below) writes a lot of RLI policies for windshield repair professionals in all 50 states, so he is a good place to start, then call a local independent insurance agent and have them see if they can find you a better deal. Compare policies, not just prices, and be sure you ask if you need garage keepers insurance added to your policy. Read More