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Roofers’ Insurance
What Is Roofers’ Insurance?
Roofers’ Insurance is specialized coverage designed to protect roofing contractors from the high risks associated with working at heights, handling heavy materials, and operating in hazardous conditions. This insurance safeguards against liabilities such as worker injuries, property damage, and accidents caused by falling debris or equipment malfunctions. Given the dangerous nature of roofing work, having the right insurance is essential to protecting both the business and its employees from costly legal and medical expenses.
Who Needs Roofers’ Insurance?
- Residential and commercial roofing contractors
- Gutter and siding installation businesses
- Roof repair companies
Key Insurance Policies for Roofers
General Liability Insurance: Covers third-party claims for injuries or property damage.
Workers’ Compensation Insurance: Mandatory in most states to cover employee injuries.
Commercial Auto Insurance: Covers company vehicles transporting materials and equipment.
Inland Marine Insurance: Protects roofing tools and mobile equipment.
Common Risks in Roofing
- Worker falls and injuries
- Property damage to structures
- Weather-related delays and hazards
Most Frequent Claims in Roofing
- Employee falls from heights
- Damage to customer property
- Weather-related job interruptions
Commonly Overlooked Coverage Gaps
- Equipment Breakdown Insurance: Covers damage to essential tools and machinery.
- Completed Operations Coverage: Protects against claims after a project is finished.