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Proper roofer business insurance underwritten by a reputable insurance carrier is an essential part of a roofer’s business structure. It’s a matter of finding the insurance program that is right for you. Other than insuring your business with a top-rated company, there are other factors to consider. They include obtaining a program that contemplates the specific risks and exposures of your profession. Also, make sure you get a good insurance agent who knows insurance and enough about your business to make sure you’re properly protected.
There are four major roofing contractor insurance policies to consider when deciding how you will protect your business. A roofer insurance program consists of general liability, business owner, workers comp and commercial auto insurance policies.
Building a roofing business is no small task. You have to not only establish good, consistent business practices, you must protect your business every step of the way while you’re growing your firm. An untimely, resource-draining lawsuit could cripple your business before it gets started. Or after it’s up and running, a lawsuit could claim your personal assets if not adequately shielded. Any judgment or negotiated settlement against you plus all court and attorney costs will be covered with this sound liability policy that covers anyone who is authorized to perform duties for your business.
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The Business Owner Insurance Policy or BOP combines two must-have coverages, liability and property, into one comprehensive package without anything being lost in the translation. In fact, there are beneficial aspects to considering a BOP insurance for your roofing business. In addition to the typical liability and property coverages, other valuable protections are available. These include protection for your tools, equipment breakdowns and loss of business income because of a fire, for example. Think about obtaining one insurance package that covers many of your needs.
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Your employees need to be protected from the hazards of the roofer profession as well as from any unforeseen incident that could temporarily or permanently affect their ability to earn. This powerful coverage covers everything from loss of wages to all medical costs. It also provides benefits designed to get your employee back to work even if it’s not in the same job.
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As a roofer, you probably use one or more vehicles on the job. Maybe you’re transporting material, employees or making trips to obtain critical parts. Personal auto insurance is not designed for the extra exposure of a commercial business. It will also not cover any employee who uses his/her vehicle to do some work for your roofer’s company. The commercial auto policy does cover all of that.
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