GLASS DOCTOR SPV LLC
GLASS DOCTOR
FRANCHISE
INSURANCE
Your technicians measure, cut, and install glass that becomes part of someone's home, car, or storefront. The job ends when they drive away. The exposure does not.
Here is what most Glass Doctor owners do not think about until a claim arrives. A custom shower enclosure you installed last spring shatters one morning while a homeowner is inside. A storefront pane you replaced fails its seal and fogs, and the business says it cannot show product. An auto windshield you set pops loose on the highway. None of these happen on the job. They happen after — when the glass you installed is now the customer's glass.
That changes the coverage question. A pane that fails weeks later is not a job-site accident. It is a products and completed-operations claim, and it is the single most likely large loss your trade produces.
You put your savings and a personal guarantee into this business. The franchise agreement tells you what to carry to satisfy Glass Doctor SPV LLC. That is the floor. Here is where the requirement ends before your real risk does.
JUMP TO SECTION
CONFIRMING YOUR REQUIREMENTS
COMPLETED OPERATIONS CLAIMS
CUSTOMER PROPERTY DAMAGE
COMMERCIAL VS RESIDENTIAL WORK
PROFESSIONAL LIABILITY & E&O
PREMIUM CALCULATION
COVERAGE BEYOND THE MINIMUM
FAQs
$1M per occurrence / $2M aggregate
GENERAL LIABILITY
$1M–$2M CSL (owned, hired & non-owned vehicles)
COMMERCIAL AUTO
As required by state law
WORKERS' COMPENSATION
$500K per claim / aggregate
CYBER LIABILITY
Glass Doctor SPV LLC and related entities
ADDITIONAL INSURED
ON THIS PAGE
CONFIRMING YOUR REQUIREMENTS
COMPLETED OPERATIONS CLAIMS
CUSTOMER PROPERTY DAMAGE
COMMERCIAL VS RESIDENTIAL WORK
PROFESSIONAL LIABILITY & E&O
PREMIUM CALCULATION
COVERAGE BEYOND THE MINIMUM
FAQs
PRE-BIND CHECKLIST
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FRANCHISEE QUESTIONS
FREQUENTLY ASKED QUESTIONS
WHAT INSURANCE DOES A GLASS DOCTOR FRANCHISE REQUIRE TO OPEN?
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General liability at $1,000,000 per occurrence and $2,000,000 aggregate including products and completed operations, commercial auto, workers' compensation, and cyber liability at $500,000. The franchisor must be an additional insured with a waiver of subrogation, and coverage must be primary and non-contributory.
WHAT ARE THE MINIMUM INSURANCE LIMITS FOR AN EXTERIOR HOME SERVICES FRANCHISE?
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For Glass Doctor, the GL floor is $1,000,000 per occurrence and $2,000,000 aggregate, with auto at no less than $1,000,000 combined single limit. Other exterior brands differ, so read your own FDD.
HOW DO I BECOME COMPLIANT WITH NEIGHBORLY'S INSURANCE REQUIREMENTS FOR THIS TRADE?
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Carry the exact FDD limits, name Glass Doctor SPV LLC and its affiliates as additional insured, add the waiver of subrogation, make the policy primary and non-contributory, and deliver a certificate of insurance at commencement and annually.
DOES MY FRANCHISOR REQUIRE A SPECIFIC INSURANCE PROGRAM OR CAN I CHOOSE MY OWN CARRIER?
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The FDD reserves the right to designate a primary or single source for coverage. You may also use your own carrier rated A-VIII or better. Confirm current direction with your franchise representative.
WHAT ENTITY NAME GOES ON MY CERTIFICATE OF INSURANCE FOR AN EXTERIOR SERVICES FRANCHISE?
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Glass Doctor SPV LLC, its parents, subsidiaries, affiliates, successors, and assigns.
DO I NEED WORKERS' COMPENSATION FOR A WINDOW CLEANING OR GARAGE DOOR FRANCHISE?
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For Glass Doctor, yes — the FDD requires workers' compensation regardless of whether your state mandates it, protecting you if a technician is injured handling glass or working on a ladder.
WHAT DOES THE FDD SAY ABOUT INSURANCE FOR EXTERIOR HOME SERVICE FRANCHISES?
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The Glass Doctor FDD lists required general liability, auto, workers' compensation, and cyber limits, plus additional insured, waiver of subrogation, and primary and non-contributory language, and permits an umbrella to satisfy the limits.
DOES MY STATE REQUIRE ADDITIONAL BONDING FOR WINDOW, GLASS, OR GARAGE DOOR CONTRACTORS?
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Some states and cities require a contractor license bond. The Glass Doctor FDD does not require a bond. Check your state contractor board, since bonding is separate from insurance.
WHAT HAPPENS IF A GARAGE DOOR OR GLASS UNIT I INSTALLED FAILS A MONTH AFTER THE JOB?
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That is a products and completed-operations claim. Your general liability must include completed operations to respond after the job is finished. The FDD requires it inside the GL limit.
WHAT IS COMPLETED OPERATIONS COVERAGE AND WHY DO GARAGE DOOR OR GLASS FRANCHISEES NEED IT?
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Completed operations covers claims that arise after a job is done — a pane that shatters, a seal that fails. For glass work, it is the most important part of your GL because the product keeps performing long after you leave.
AM I COVERED DIFFERENTLY FOR COMMERCIAL ACCOUNTS VERSUS RESIDENTIAL ONES?
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Commercial accounts often require higher limits and a completed-operations additional insured on your certificate. Your residential policy may be short on both. Confirm before bidding commercial glass work.
WHAT HAPPENS AT MY WORKERS COMP AUDIT IF I USED SUBS OR HIRED EXTRA CREW FOR A COMMERCIAL JOB?
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The carrier reviews actual payroll and subcontractor payments at year-end and adjusts the premium. Payments to uninsured subs can be added to your exposure base. This is an audit adjustment, not a claim denial.
Get your Glass Doctor policy reviewed before you bind
Run this checklist before signing. First, confirm the certificate names Glass Doctor SPV LLC, its parents, subsidiaries, affiliates, successors, and assigns as additional insured. Second, verify your general liability includes products and completed operations, since glass failures surface after the job. Third, check the policy is primary and non-contributory and carries the waiver of subrogation. Fourth, confirm contractors E&O is in place for your custom and architectural work, with the faulty-workmanship piece intact. Fifth, match your limits and additional-insured wording to any commercial certificate before you bid. Sixth, confirm your tools and glass-handling equipment are covered off-premises through inland marine.
When you bring in a 1099 installer for a large commercial job, confirm your GL includes independent contractors liability and that you have collected that installer's certificate of insurance before work begins — this is the step that keeps a subcontractor's mistake from becoming your uncovered loss.
SUBCONTRACTOR RISK
A LAPSED SUB CERTIFICATE IS INVISIBLE UNTIL YOUR CARRIER FINDS IT
Most home service franchisees use independent contractors or 1099 workers at some point. The coverage gap this creates is not obvious until a claim surfaces. When a certificate lapses, your carrier invokes the subcontractor exclusion in your general liability policy. The work was done. The damage is real. The coverage is not there.
Rikor's subcontractor compliance monitoring tool tracks subcontractor certificates in real time. When a certificate lapses, you know before the next job starts — not after the claim comes in.
WADE MILLWARD, CIC
Founder & CEO · Rikor Insurance
Wade Millward has spent 18 years specializing in franchise insurance. He holds the Certified Insurance Counselor (CIC) designation and has reviewed hundreds of franchise disclosure documents across home service, food service, and commercial franchise verticals. He has built coverage programs for Authority Brands franchisees across electrical, HVAC, plumbing, and restoration trades.