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As a roofer, you know you face an enormous amount of exposure in operating your company. You bear a significant risk of injuries while on a roof and when you’re moving materials. In fact, because of these risk factors, your profession came in at number five in a recent top 10 most dangerous jobs survey (behind fishing workers, logging workers, pilots and refuse collectors/recyclers).
That’s a lot of risk. One way to mitigate that is with solid risk protection. Good, dependable, affordable roofer liability insurance is a must-have for your business. There are many types of general liability insurance so you need to look at all aspects of the coverage to make sure the work you do is covered.
Being found liable for an accident can generate a claim, or even worse, a lawsuit against your roofing business. If not prepared for, a lawsuit can render you without a business and even without assets. The right liability insurance will defend you against any lawsuit. It will cover court costs, attorney fees and any judgment or settlement decided against you. That’s powerful protection.
In addition, this liability insurance protection is available to anyone who does authorized work for your company, whether it’s your son, employee or spouse. The general liability policy is your best protection for not only who it covers but for the broad range of perils it protects you against such as:
If a visitor gets hurt while in your shop, a delivery man stumbles as he delivers you a package or a passer-by slips in the sidewalk in front of your business and files a claim or suit, the general liability insurance will defend you against it. Items covered include lost wages, medical expenses and any other treatment costs necessary to make the injured party whole.
What would happen if you or an employee accidently damaged the property, which could include a building, automobile or personal effects, of another person? With this liability insurance policy, the property damage coverage would take care of it.
Medical payments are separate from bodily injury medical expenses (which are usually accessed when the injury is extremely serious). Medical payments pay out at lower limits that begin at $5,000. This usually is enough to take care of most small injury claims.
Sometimes an advertisement for a business can go a little over the top and make claims that a competitor might find libelous or slanderous. If that happens to you, this portion of the general liability insurance will cover it.
This insurance coverage protects you if, for some reason, the roof is found defective and causes damages after you have installed it. If your client makes a claim against you for this, any claims will be taken care of under products and completed operations.
If you are leasing premises for your roofing business and are found liable for a fire that occurs, this will cover any resulting damages subject to the “damage to premises rented by you” limit.