Permanent lighting installer insurance is coverage for pros who install year-round lighting systems, like permanent LED track, soffit lighting, and architectural systems that stay up all year. Because you sell and install products that live on a customer's home for the long term, your coverage needs look a little different from a seasonal crew.
Why permanent lighting installers carry insurance
You are drilling, mounting, wiring, and leaving a product behind that has to work for years. If an install damages a home, or a product you provided later causes a problem, you want coverage in place. Many commercial clients and property managers also ask for proof of insurance before you start.
Common coverages
- General liability responds to third-party bodily injury and property damage during and after the install.
- Product liability is often important here, since you sell and install a product that stays on the home. If that product causes injury or damage, this responds.
- Tools and equipment covers the lifts, ladders, controllers, and gear you own.
- Workers' compensation covers your crew, and commercial auto covers your vehicles.
Why an annual policy usually fits
Permanent lighting is a year-round trade, so most installers choose an annual policy rather than a short-term seasonal one. An annual policy stays in place all year and is easy to show clients who ask for a certificate of insurance. If you also run a seasonal Christmas light service, tell us on the quote form so we can factor that in.