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As a roofer, you’re frequently in the dangerous position of working several feet above the ground during the average workday. Whether you mostly work on houses, commercial buildings, or a mix of both, you’re on a roof for several hours each day. There’s no getting around that. But you can make sure you’re protected with a great roofer insurance policy. What does that include, and should you get more than the minimum coverage? Here’s what you need to know about the right roofer insurance policy for your situation. Once you get an idea of what you need for roofer insurance, please contact us to learn more.
What Type Of Insurance Roofers Need
In order for you to be fully protected as a roofer, your policy should include the following coverage types so you have some peace of mind at work:
- General Liability
- Tools Coverage
- Auto Insurance
- Surety Bond
Granted, these are just the minimum coverage choices. You can and should add more for best results.
How Much Is Roofer Insurance?
One of the most basic details to consider is price, as you likely have a budget for what you can spend on roofer insurance. While the exact cost varies based on your location and the coverage you want, here’s a general range to expect:
- General Liability Insurance for a Roofer typically starts at $1,150 per year.
- Tools Coverage for a Roofer often starts at $300 per year for $10,000 tool inventory.
- Auto Liability Insurance for a Roofer starts at about $970 per year for a pickup truck.
How To Get Roofer Insurance
If you want an accurate roofer insurance quote, we’ll need some details about your roofing job. Just keep in mind that the more detailed the information you give us is, the more exact your roofer insurance quote will be.
Roofer Liability Insurance Explained
When you’re a roofer, you’re not working in your own office. Instead, you’re mostly on top of houses or buildings. And when you’re actually on the ground, you’re on someone else’s property, whether it’s a home or business. This means there are likely other people around, and if those people are injured while you do your job, you could be liable for the expenses. This is why your roofer insurance policy should include general liability insurance. This coverage will pay for the medical bills of anyone who gets hurt on your jobsite. So if a customer or passerby steps on a nail or slips on a loose roof shingle you left on the ground, general liability coverage will pay the medical bills for you. Similarly, if you damage a building or house as you repair or replace the roof, your liability coverage will pay to fix the problem.
Roofer general liability insurance will also pay your legal bills if someone claims that your advertisements feature libel, slander, or copyright violations. And if you rent an office for your business, general liability will pay for the damage you caused to the building you rent. This is why you need general liability on your roofer insurance policy.
Roofer Tools Coverage
Roofing requires the use of lots of tools and equipment. This often includes a hammer, shingle cutter, ladder, wood screws, nails, brackets, and more. If your toolbox or major equipment were to get stolen or lost, you wouldn’t be able to perform your job. This is why your roofer insurance policy should include tools and equipment coverage. This will pay to replace lost or stolen equipment and tools—whether you own these items or are renting them. Having this coverage means you won’t have to take time off due to not having the funds to immediately replace your roofing tools and equipment, so it can save you money and keep you in business even if you lose the tools of the trade.
Roofer Auto Insurance
Whether you’re working on a residential or commercial roof, you have to drive to the jobsite to start working, which means driving is a regular part of the job. If you get into a car accident on the way to a roofing project, there’s a good chance your personal auto insurance policy won’t apply, since most insurers don’t pay for work-related accidents unless you have a commercial auto policy. That’s why it’s helpful to add commercial auto insurance to your roofer insurance policy. This will ensure any property damage is paid for by insurance, and that medical bills related to the accident are paid for, as well.
Roofing is one of the many job types that often requires a surety bond, which is basically a guarantee that you will finish the work you’re being paid for. Even if a roofing project doesn’t require a surety bond, you should get one anyway to increase your customer’s trust in your services. There are lots of types of bonds you should look into for your roofer insurance policy, such as the following:
- Contractor’s License Bond
- Contract Bond
- Performance Bond
- Janitorial Bond
- Dishonesty Bond
- ERISA Bond (For Directors and Officers)
- Bid Bond
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