Window Treatment Installation Insurance
Coverage for window treatment installers mounting blinds, shades, and drapery in client homes.
What this coverage is intended to address
- ✓Third-party bodily injury that may arise during installation work in a client's residence or business
- ✓Damage to a customer's windows, walls, or furnishings that may occur while mounting hardware
- ✓Drills, brackets, ladders, and product inventory scheduled on the policy while in transit or on site
- ✓Allegations tied to completed installs, such as a claim that mounted hardware later pulled loose
Coverage products commonly considered
Most window treatment installation operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A heavy drapery rod is alleged to have detached after installation and damaged a client's windowsill below, prompting a claim — completed-operations coverage is generally intended to respond to allegations of this type.
- A drill is alleged to have cracked a windowpane while mounting a blind bracket. Coverage for a property-damage allegation of this kind depends on the policy form and its exclusions.
Frequently asked questions
Does window treatment insurance consider damage during installation?
Accidental third-party property damage arising from your work is generally what a general liability policy is intended to address. Whether a specific incident is covered depends on the policy form and exclusions.
Are the products I carry covered before they are installed?
Inventory and materials can often be scheduled under inland marine so they may be addressed in transit or on site. Limits and eligibility vary by carrier and state.
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