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Illustrated street with a two-story house, its garage door half open and a ladder at the garage on one side, and a service pickup under a tree with garage door panels on its rack and a purple toolbox strapped to the rack on the other

Garage door contractor insurance

bigger doors.
bigger accounts.

Liability, comp, trucks and tools for garage door shops adding commercial overhead doors and dock equipment to home service.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A door that drops, a spring that snaps, a stolen lift. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with a garage door fallen off its track onto a parked car, a snapped spring hanging from the header over a toppled stepladder and a purple winding bar on the garage floor, and a service pickup backed into a broken picket fence with its tool bin hanging open

general liability

A door you installed comes down on the car

Damage to the customer’s property from your finished work.

workers’ comp

A tech falls when a spring lets go

Medical bills and lost wages.

commercial auto

The truck backs into the customer’s fence

Damage you cause on the road and on site.

tools and equipment

The tool bin gets broken into overnight

Lifts and tools, on the job or on the road.

general liability

A door you installed comes down on the car

Damage to the customer’s property from your finished work.

Examples. Your policy sets the details.

the work changes
what we check.

Service calls, installs and dock work carry different risks. Pick yours.

Service and repair

Urgent calls, occupied homes.

We check that spring, track, opener and control work is on the policy, and how damage to the customer’s property is treated.

we check first: Spring and opener work. Illustrated garage door from inside with its torsion spring, cables and opener rail, a tool bag and a spare spring on the floor, and a purple winding bar against the wall

door came down?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Northgate Door Service

your options

$14,800a year, 4 policies

3 options, same coverage

Option A$14,800

Option B$16,300

Option C$17,900

5 technicians4 trucksPhoenix, AZClean records
compare your options
same
coverage,

best price

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
door techs ask for.

Each coverage on a door call, in plain English.

growing by
acquisition?

Buying another garage door shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about garage door contractor insurance.

What insurance does a garage door business need?
Most garage and overhead door contractors carry general liability, workers’ comp once they have employees, commercial auto for service trucks, and tools coverage for lifts and gear. Facility managers and commercial customers often ask for proof of liability before site access. What fits depends on your work, your crew and your contracts.
Does general liability cover a door that fails after installation?
It can cover damage to someone else’s property or an injury caused by your finished work, under the completed operations part of the policy. Replacing the door or track itself is a separate question from the car or wall it damaged. Exclusions and policy dates matter, so the wording is worth reading closely.
What affects the price of garage door insurance?
Mainly residential versus commercial work, service versus installation, high tension spring work, how high the crew works, dock equipment and welding, plus payroll, trucks and lifts. Limits, deductibles and claims history move it too. We compare limits and exclusions alongside the premium, so you compare more than the payment.
Why is dock and commercial work looked at apart from residential doors?
Commercial doors, dock levelers, gates, access systems, larger openings, higher work and welding carry different hazards than a residential garage door, and industrial customers bring their own contract terms. Carriers want to know how much of each you do and what it involves, so the full mix should be described accurately.

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA