Glass Shop Insurance Requirements: What TPAs Look For
Every TPA network requires shops to maintain adequate insurance coverage. This is not optional — it protects the shop, the carrier, and the policyholder. Here is what TPAs typically require and why.
General liability insurance is the foundation. This covers bodily injury and property damage claims that arise from your business operations. Most TPAs require minimum coverage of $1 million per occurrence and $2 million aggregate.
Garage keepers insurance covers customer vehicles. When a customer vehicle is in your care for glass work, this coverage protects against damage to the vehicle. This is especially important for in-shop repairs where vehicles may be stored overnight.
Workers compensation is required in most states. If you have employees, workers comp coverage protects them and you from work-related injury costs. Most TPAs require proof of coverage or a valid exemption.
Professional liability covers workmanship claims. If a glass installation fails and causes damage or injury, professional liability coverage responds. This is particularly important given the safety-critical nature of windshield installations.
Certificate of insurance requirements. TPAs will request a certificate of insurance naming them or the carrier as an additional insured. Your insurance agent can provide this at no additional cost. Keep certificates current — expired certificates can result in suspension from the network.
The investment in proper insurance coverage is a cost of doing business in the TPA world. It protects your shop from catastrophic losses and gives carrier partners confidence in your professionalism.