The Hartford doesn’t offer siding installation insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Siding Installation Insurance?
Siding installation insurance is made up of different types of business insurance coverages designed to help protect you from the various risks you face on the job. Whether you’re working on a single-family home or managing a multi-unit project, this coverage can help protect your siding installation business from third-party injury claims, property damage, equipment theft and more. It can also help if a passerby gets hurt from falling materials or a you damage a client’s property while removing old siding.
A siding installation insurance package can include these common types of coverages:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial auto insurance
Why Might You Need Siding Installation Insurance?
Siding installation insurance is a collection of coverages designed to help protect you from the challenges you face as a contractor. Without insurance coverage, you’d have to pay out of pocket for claims that can come up during normal operations.
Siding installation insurance can help protect your business from many potential risks, like:
- Bodily Injury: A homeowner trips over your air hose while walking through the yard and breaks their arm.
- Equipment Theft: Someone breaks into your trailer overnight and steals thousands of dollars’ worth of tools.
- Property Damage: A ladder slips and breaks a second-story window while your crew is working.
Who May Need Siding Installation Insurance?
Business insurance coverage can help protect many contractors that offer siding installation services, including:
- Residential siding contractors
- Commercial siding businesses
- Exterior remodeling companies
- Storm damage restoration contractors
- New construction builders
What Siding Installation Insurance Coverages Might I Need?
When it comes to protecting your siding business, you’ll want coverage that matches your potential risks. Many siding contractors start with a Business Owner’s Policy (BOP)
because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect your siding business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, inventory, equipment and supplies you rely on. These can include your:
- Scaffolding
- Ladders
- Power tools
- Siding materials
- Saws
- Levels
Business income insurance helps replace lost wages if you can’t operate temporarily because of covered property damage caused by wind, theft or fire. This coverage can help pay ongoing operating costs, such as utility bills and rent.
It’s important to remember that a BOP won’t cover every kind of claim you might face. You’ll need other types of coverage to create well-rounded protection, including:
Commercial auto insurance to help cover claims of bodily injury or property damage from a car accident your business causes while you or an employee uses a company-owned vehicle for work.
How Much Does Siding Installation Insurance Cost?
Although The Hartford doesn’t offer coverage for siding contractors, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of siding installation insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific siding installation business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A piece of siding blew off in the wind and damaged our client’s car.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“We had to delay countless jobs after a fire broke out in our storage building and destroyed equipment and inventory.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if you can’t operate temporarily because of covered property loss.
Workers’ Compensation Insurance
“One of our installers slipped from the scaffolding and broke her leg. She was off work for several weeks while she recovered.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“My foreman accidentally backed the work truck into our customer’s fence and broke the gate.”
Commercial auto insurance helps protect you and your employees when using a company-owned vehicle for work. It can help cover bodily injury or property damage claims from an accident your business caused.
Commercial Property Insurance
“A massive storm tore the roof off our storage unit and soaked thousands of dollars’ worth of siding materials we’d just ordered for a big job.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Contractors Equipment Coverage
“Someone stole our tools from a jobsite overnight. It delayed the installation by a few days and ate into our profits.”
Contractors equipment insurance is designed to help cover damaged or missing contracting equipment. It can help pay to remove debris and clean up after an accident. It can also help cover losses from theft and the costs to expedite a project that is off schedule due to a covered loss.
Nail Down Protection With Siding Installation Insurance
You’ve worked hard to build your business — now make sure you’re protecting it. Get a quote through Tivly today.
Last Updated: April 30, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, "Number and Rate of Nonfatal Work Injuries in 2024,” viewed April 2026.
4 Construction Briefing, “What Are the 5 Most-Stolen Types of Construction Machinery?” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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