Last Updated: February 23, 2024, 8:26 am by TRUiC Team

Window Tinting Business Insurance

Getting insurance for your window tinting business is essential. 

Window tinting businesses need to be protected against claims from things that could reasonably occur, like property damage and employment law disputes, contract violations, and indemnity claims. 

Common examples could include damage to a customer’s vehicle whilst tinting a window or an employee accidentally getting injured inside your work’s premises.  

We’ll help you find the most personalized and affordable coverage for your unique business.

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Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.

Best Insurance for a Window Tinting Business

General liability insurance is — generally speaking — the most/one of the most important insurance policies for window tinting businesses. 

Some of the risks general liability insurance covers are:

  • Bodily injury
  • Property damage
  • Medical payments
  • Legal defense and judgment
  • Personal and advertising injury

Even though general liability insurance covers a relatively large number of risks, your business may need additional coverage in order to be fully covered; this will depend on its unique needs:

  • Commercial property: This type of policy protects your business’s property assets against damage (i.e., if you ever need to repair or damage a company vehicle, furniture, etc.). 
  • Workers’ comp coverage: This will cover employment law disputes, such as an employee getting injured during work (e.g., medical bills, loss of income, etc.). 
  • Loss of income: If you need to close down and halt operations due to a covered risk, loss of income coverage will cover your lost income and ensure that you can sustain your business. 

In order to find the right coverage for your window tinting business, you will need to decide what type of provider you will work with. 

Generally speaking, there are two options available for small businesses:

  • Traditional brick-and-mortar insurers: These are generally more reputable and have been established for several decades. You need to talk to a licensed insurance agent in order to get started. 
  • Online insurers: These providers use AI in order to offer customizable online quotes (no insurance agent needed) at a more affordable rate. 

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Cost of General Liability Insurance

The average window tinting businesses in America spends between $450-$1000 per year for $1 million in general liability coverage.

Compare the average cost of general liability insurance for a window tinting business to other professional industries using the graph below.

Several factors will determine the price of your policy. These include your:

  • Location
  • Deductible
  • Number of employees
  • Per-occurrence limit
  • General aggregate limit

You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.

A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.

Graph showing average price of general liability insurance prices per industry

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Find the Best Rate

Discover the best coverage at the lowest rate in our low-cost business insurance review.

Common Situations That General Liability Insurance May Cover for a Window Tinting Business

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Example 1: While moving a customer’s vehicle from the service bay to the parking lot, one of your technicians causes damage to a parked vehicle. General liability insurance should cover the damage to the parked vehicle. The customer’s vehicle would be covered under a different insurance policy.

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Example 2: One of your social media posts mentions how many customers of XYZ Tinting have started using your services after their tinting from XYZ started peeling. XYZ Tinting is suing your business for compensatory damages, claiming they lost customers as a result of your ad. This advertising injury claim would be covered under your general liability policy.

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Example 3: A customer is brought into the workshop so they can see an issue the technician has run into. While walking through, the technician drops a tool on the customer’s foot. General liability insurance would likely cover the cost of treating their injuries.

Other Types of Coverage Window Tinting Businesses Need

While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:

Commercial Property Insurance

If you own the building you run your window tinting business out of, you should consider purchasing commercial property insurance. This would cover the brick and mortar structure as well as the business property kept on site.

When considering your coverage amount, it’s important to include any build-outs done to the building and any specialized tools purchased for the business. You should purchase enough coverage to replace all equipment/tools and to rebuild the building in the event of a loss.

This coverage is frequently available as part of a business owner’s policy (BOP).

Workers’ Compensation Insurance

If your window tinting business has employees, the business is likely required by state law to carry workers’ compensation insurance. Workers’ compensation typically covers injuries that employees suffer while on the job.

Workers compensation is generally purchased as a standalone policy.

Business Interruption Insurance

If you depend upon the business’s revenue to support your household, consider purchasing business interruption insurance. If a major event occurs that forces the business to shut down for an extended period of time, this coverage will help make up some of the lost revenue.

Business interruption insurance is typically available as part of a business owner's policy (BOP).

Commercial Umbrella Liability Insurance

Working around and on automobiles puts you at greater risk than other types of businesses, with liability expenses often exceeding the limits of primary policies. Commercial umbrella liability insurance adds an extra layer of liability coverage, protecting you against sizable covered lawsuits.

Additional Steps To Protect Your Business

Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.

Here are several things you can do to better protect your window tinting business:

  • Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
  • Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
  • Stay up to date with business licensing.
  • Maintain your corporate veil.

Window Tinting Business Insurance FAQ

Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.

A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.

"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.

In most cases, yes. 

Getting some forms of business insurance (e.g., workers’ comp, commercial auto, etc.) before you get started can be a legal requirement if you hire employees or use a company vehicle.

Even if this is not the case, getting your coverage as soon as possible will protect your business assets from all foreseeable financial risks.

Not necessarily. Certain exceptions may be written directly into your window tinting business insurance policy, and some perils may be entirely uninsurable.

Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.

An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.