Siding installation is no small job. Whether you’re upgrading your home’s look or protecting it from the elements, siding is a big investment. But what happens if something goes wrong during the install? That’s where siding installation insurance comes in.
Let’s break down what this insurance is, why it matters, and how you can secure it with ease.
What Is Siding Installation Insurance?
Siding installation insurance protects both homeowners and contractors during siding work. It covers accidents, property damage, and liability. If a worker gets hurt or a neighbor’s property is damaged during the job, this insurance helps cover the costs.
This type of insurance gives peace of mind. It keeps you from paying out-of-pocket for unexpected problems.
Why Homeowners Should Care
You might think your contractor has it all covered. But not all companies carry proper insurance. If something goes wrong and there’s no insurance in place, the homeowner can be held responsible.
That’s right. Without siding installation insurance, you could be stuck with medical bills, repair costs, or even legal trouble.
So, always ask to see proof of insurance before the job starts.
Types of Insurance Involved in Siding Installation
There are a few kinds of insurance related to siding projects:
1. General Liability Insurance
This is the most common. It covers property damage and injuries caused by the siding company during work.
2. Workers’ Compensation Insurance
If someone on the crew gets hurt while working on your home, this insurance covers medical bills and lost wages.
3. Tools and Equipment Coverage
This protects the contractor’s tools and machines on your property. While it doesn’t directly affect you, it’s a sign of a responsible contractor.
4. Commercial Auto Insurance
If work vehicles damage your property or are involved in accidents during the job, this coverage helps.
How to Verify Siding Installation Insurance
Don’t just take a contractor’s word for it. Always ask for a certificate of insurance (COI). This document shows what coverage they have, how much, and if it’s still active.
Check the dates. Make sure the policy covers the full duration of your project.
Also, look for the policy limits—this shows how much the insurer will pay if a claim is made.
Still not sure? Call the insurance provider listed on the COI to double-check.
What Happens Without Insurance?
Let’s say the siding crew accidentally damages your neighbor’s fence. If there’s no insurance, you might get sued.
Or what if a worker falls off a ladder? Without workers’ comp, they could sue you for their injuries.
No homeowner wants to deal with that kind of stress or cost.
That’s why insurance matters—it protects you, not just the contractor.
Tips for Homeowners: Securing Your Own Peace of Mind
Besides checking the contractor’s coverage, here’s what you can do:
1. Contact Your Own Insurance Company
Your homeowners insurance might already offer some protection. But it’s good to let them know about the upcoming project. They may suggest extra coverage.
2. Get It in Writing
Your siding contractor should include their insurance info in your service agreement or contract.
3. Don’t Choose Based on Price Alone
Cheaper bids often mean cut corners. A low price might mean no insurance—which is a risk you don’t want to take.
Contractors: Why You Should Carry Siding Installation Insurance
If you’re a contractor, having proper insurance isn’t just smart—it’s good business.
Clients will trust you more. You’ll win more bids. And if something goes wrong, you’re covered.
Without it, you’re gambling with your business and reputation.
Many cities or provinces also require proof of insurance for permits or licensing. Don’t get caught without it.
How Contractors Can Get Siding Installation Insurance
1. Work with a Business Insurance Broker
They’ll help you find the right type and level of coverage for your siding work.
2. Bundle Your Policies
You can save money by bundling general liability, workers’ comp, and auto insurance.
3. Review Annually
Your needs might change as your business grows. Review your policies every year to make sure you’re still covered properly.
How Much Does Siding Installation Insurance Cost?
For contractors, the cost depends on:
- Your business size
- How many employees you have
- Your past claims history
- Location
- Type of siding you install
On average, general liability insurance may cost between $400 to $1,500 a year for small contractors. Workers’ comp adds more.
For homeowners, you don’t usually buy this insurance directly—but your homeowners insurance may need to be updated for large renovation jobs.
Common Claims Covered by Siding Installation Insurance
Let’s go over a few real-world examples:
- Property damage: The crew drops a heavy panel through your bay window. Insurance pays for the replacement.
- Injury: A worker gets hurt and can’t work for weeks. Workers’ comp handles the medical bills.
- Weather damage: A windstorm hits before the siding job is complete. Insurance covers damage to the exposed area.
These things happen more often than you’d think. Better safe than sorry.
Final Checklist for Homeowners
Before siding installation starts, make sure:
✅ The contractor has up-to-date insurance
✅ You’ve seen the certificate of insurance
✅ The coverage includes liability and workers’ comp
✅ Your own homeowners policy is updated
✅ All agreements are in writing
Final Checklist for Contractors
Before taking on a siding job, ensure:
✅ Your insurance is active and covers all your services
✅ You carry enough coverage for big jobs
✅ You include insurance info in contracts
✅ Your employees are covered under workers’ comp
✅ You review your policy at least once a year
FAQs about Siding Installation Insurance
1. Do I really need to ask for proof of insurance from my siding contractor?
Yes. It’s your protection as a homeowner. Never assume—they must show you the certificate.
2. What’s the difference between general liability and workers’ comp?
General liability covers damage or injury to others. Workers’ comp covers injuries to the contractor’s own employees.
3. Will my homeowners insurance cover siding damage during installation?
Sometimes. But usually, your contractor’s insurance should be the first line of defense. Talk to your provider for details.
4. Can I be held responsible if a contractor isn’t insured?
Yes. If someone is hurt or property is damaged, you might be the one paying for it.
5. Is siding installation insurance expensive for contractors?
Not compared to the risk of lawsuits or medical bills. It’s a smart investment in your business.
