Auto Glass Shops insurance · Nationwide
Coverage that keeps up with modern windshields
Today's windshields house cameras and sensors for lane-assist and automatic braking: a bad seal or a miscalibrated ADAS system is a different scale of risk than a simple chip repair. We connect you with specialists who understand the shift.
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Coverage auto glass shops carry
Glass work has quietly become safety work. A modern windshield carries the cameras that drive lane keeping and automatic braking, so a replacement left uncalibrated becomes a claim the first time the system is needed.
General Liability
Injury to customers and third parties, and damage to property at the sites you work on.
Mobile work puts you in driveways, parking lots and workplaces, so the third party is often not the vehicle owner. That is what this answers for.
Garage Liability & Garagekeepers
Customer vehicles damaged, stolen, or destroyed while in your care, plus liability for your operations.
A scratched A-pillar or a dashboard cracked during removal is damage to property in your care, which standard general liability excludes by design.
Errors & Omissions
Claims that a calibration or installation was performed incorrectly rather than that something was physically damaged.
ADAS calibration is the reason this coverage now belongs on a glass policy. A camera left uncalibrated is an error, not an accident, and GL treats those differently.
Commercial Auto
Mobile service vans carrying glass, urethane, and calibration rigs: liability, collision, and hired or non-owned autos.
A van of glass is a cargo risk as well as a driving one. Declare the load: stock broken in transit is not automatically covered by the vehicle policy.
Workers' Compensation
Medical bills and lost wages for laceration injuries, urethane exposure, and lifting strains.
Cuts are the obvious claim and back injuries are the expensive one. Windshields are awkward, heavy, and usually lifted at arm's length.
Tools & Equipment
Calibration targets, setting tools, and glass stock stolen from the van or damaged in transit.
A calibration rig costs more than a year of most other tools combined and travels to every job. Schedule it by name rather than leaving it to a blanket limit.
FAQFrequently Asked Questions
Calibration errors are increasingly treated as a professional liability exposure, not just a general liability one, since the claim is about a safety system failing to perform as intended rather than direct property damage. We'll help make sure both are addressed.
Yes: most insurer-approved auto glass networks require an active certificate of garage liability insurance before they'll route claims to your shop.
That's a completed-operations claim under general liability, which covers installation-quality issues that surface after the job is finished and paid for.
Yes. Garage liability and garagekeepers coverage apply to where the work happens, not a fixed shop location. Mobile installers working in a customer's driveway carry the same core exposures.