Auto Glass & Windshield Insurance Coverage Checklist
The coverages an auto glass & windshield business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for auto glass replacement businesses. Priorities reflect typical exposure; confirm against calibration and mobile work.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Garage Liability (incl. | Completed Operations) Covers crashes tied to glass installation or ADAS calibration after the vehicle leaves. | Core | |
| Errors & Omissions (Calibration) | Covers calibration errors some GL forms treat as professional services. | Prevalent | |
| Garagekeepers | Covers customers' vehicles in the business's care — confirm the basis (legal liability vs. direct) and limit. | Core | |
| Commercial Auto | Covers mobile service vans. | Core | |
| Workers' Compensation | Required in most states for employees. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for ADAS calibration. Calibration lawsuits rose from 3 in 2018 to 61 in 2024, settlements commonly run $200,000 to over $1 million, and nearly half of shops miss required calibrations. Some policies treat calibration as a professional service outside garage liability. Shops should confirm coverage, calibrate to OEM specs with documented reports, and get signed waivers when customers decline — New York now requires disclosure.
Send us the checklist and we'll review your auto glass & windshield coverage line by line, then market it across multiple carriers that compete for your account.
Related: Auto Glass & Windshield Insurance · Auto Glass & Windshield Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an auto glass & windshield business need?
The core coverages for an auto glass & windshield business are Garage Liability (incl., Garagekeepers, Commercial Auto, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my auto glass & windshield coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.