Light installer insurance coverage
Here are the main coverages light installers think about. You can mix and match on the quote form. Coverage, terms, and availability vary by carrier, state, and individual risk.
General Liability
The foundation for most light installers. It responds to third-party bodily injury and property damage. Think of a strand that damages a roof, or a guest who trips on a cord at a job site.
Tools & Equipment (Inland Marine)
Covers the gear you own and move between jobs: ladders, lifts, controllers, reels, timers, and light strands. Useful if your equipment is damaged, lost, or stolen away from your shop.
Cyber Liability
For the online side of your business: booking systems, payment data, and customer records. It helps with the costs of a data breach or a cyber attack.
Commercial Auto
For the trucks and vans you use to carry equipment and crew. Personal auto policies often exclude business use, so a commercial policy fills that gap.
Product Liability
Often relevant for permanent lighting you sell and install. If a product you provided causes injury or damage, this coverage responds.
Umbrella / Excess Liability
Adds extra limits on top of your general liability and auto. Larger jobs and bigger contracts sometimes require higher limits than a base policy provides.