What is Door or Window Installation Workers Compensation (class code: 5107)?
Workers compensation insurance for door or window installation businesses, categorized under class code 5107, helps protect employers from financial loss if an employee is injured on the job. This coverage is essential in an industry where workers routinely face physical labor, use power tools, and work at heights, creating job-site hazards that increase the risk of injury.
Class code 5107 specifically applies to businesses engaged in the installation of doors, door frames, and windows — whether residential or commercial. It does not typically apply to manufacturing or glazing operations, which fall under different codes.
Who needs it
This type of coverage is commonly needed by contractors, subcontractors, small construction companies, and independent installers who perform door or window installations. Even if a business has only a few employees, most states require them to carry workers comp to remain compliant and protect their workforce.
If you’re involved in door and window installation as a primary business activity, this policy is likely necessary.
What it typically covers
Workers compensation insurance typically covers:
- Medical expenses for job-related injuries
- Lost wages during recovery
- Rehabilitation or physical therapy costs
- Employer liability in cases of work-related injury claims
For example, if an installer sustains a back injury while carrying a window frame, this policy can help cover their medical care and a portion of their lost income.
Common exclusions or limitations
While workers comp provides broad protection, it doesn’t cover injuries that occur outside of work duties, intentional acts, or those resulting from drug or alcohol use. Also, independent contractors may not be covered unless specifically included in the policy.
Businesses involved in door and window manufacturing should refer to class code 2806 instead of 5107, as the risk exposures are different.
Factors that influence cost
The cost of workers compensation insurance under class code 5107 depends on several underwriting factors, including:
- Payroll size and number of employees
- Claims history
- Job-site safety protocols
- State-specific rates and regulations
Businesses with solid risk management practices and fewer claims may qualify for lower premiums over time.
Proof of insurance & compliance
Most states require proof of workers compensation coverage before a contractor can obtain a license or secure contracts. Certificates of insurance (COIs) are commonly requested by general contractors and property owners as part of compliance and liability protection.
Maintaining active coverage also supports ongoing business operations and helps avoid legal or financial penalties.
How to get a quote
To get a tailored quote for workers compensation insurance under class code 5107, connect with an insurance provider who understands the unique exposures of the door and window installation industry. They can help you assess your needs, navigate state requirements, and secure the right level of protection.
Request your quote now to protect your team and your business.
Frequently Asked Questions
Is workers comp required for part-time or seasonal installers?
Most states require coverage for all employees, including part-time and seasonal workers. Requirements vary, so check your state laws.
Does this policy cover subcontractors?
Generally, subcontractors are not automatically covered. You may need to include them in your policy or require them to carry their own coverage.
Can I use class code 5107 if I also do manufacturing work?
No, if your business manufactures doors or windows, you may need to use a different classification, such as class code 2806.
What happens if I don't carry workers compensation?
Operating without required coverage can result in fines, legal action, or loss of business licenses, depending on your state.
How do I prove coverage to clients?
You can provide a Certificate of Insurance (COI), which summarizes your active policy coverage and is often required for contracts.
Still have questions? Talk to a local insurance expert.