Roofer General Liability Insurance

What’s the number one concern you, as a roofer, have with every job? Worker safety. But what about protection for your customers, their property, and even people who happen to be on or near your worksite? This is where roofer liability insurance comes in handy.

For instance, an unattended ladder can be a temptation for an adventurous child. On the other hand, a homeowner might want to climb up and check on the project’s progress. Power tools and other equipment used for the job can present a fire risk.

When accidents result in injuries or damage to property, roofer general liability insurance can help compensate your customers and even cover any court-ordered settlements. This insurance can help you avoid catastrophic costs including the risk of losing your business, because of an accident caused by you or an employee.

In addition, roofing contractor liability insurance may also give you an edge over the competition by showing that you’re a responsible business owner. Customers shopping for a roofer often include general liability insurance on their checklist of must-haves.

General Liability

Property Coverage

Auto Insurance

Workers Compensation

Tools Coverage

What’s Covered Under Roofer General Liability Insurance?

Roofer general liability insurance gives you broad protection against the risks you and your employees face every day. A general liability insurance policy includes coverage for:

Bodily Injury and Property Damage.

Roofing worksites tend to get a bit messy. It’s hard to keep ladders, discarded shingles, pallets of replacement materials, tools, and other equipment organized, even if your workers are typically very neat. A homeowner, family member, neighbor, or even someone walking by the worksite could trip over something. If there’s an injury, roofing contractor general liability insurance pays for third-party medical bills and legal costs you may face.

Roofer liability insurance also protects you when property is damaged. Power tools and other electrical equipment can present a fire hazard. Even though your employees have been trained to be careful, accidents can happen, resulting in damage to the home or commercial building. As a result, it can expose you to repair and replacement costs, or lawsuits by your customers, their neighbors, or even a municipality. With roofer general liability insurance, you’re fully protected.

Products and Completed Operations. As a roofer, you pride yourself on a job well done and rely on recommendations from past customers to get new jobs. But, even when your employees do their best, things can go wrong. For example, shingles can be found to be defective after the job is done. You installed them, so you are liable to compensate the customer.

With roofer general liability insurance, you can rest assured that demands for compensation or a lawsuit will be covered. In contrast, that could mean the difference between a profit and loss for the year.

Medical Payments. When someone at your job site is injured because of the work you or your employees are doing, you can be held responsible for their medical bills, even if the injured person wasn’t supposed to be on the property. Can your business afford hospital bills and other costs that accompany an injury, such as surgery and rehabilitation? Roofer liability insurance can cover medical payments so the costs don’t come out of your own pocket.

Personal and Advertising Injury. How careful are you with your advertising? In reality, many small businesses don’t always think about the potential for libel, copyright misuse, or other issues that could lead to a lawsuit. Fortunately, roofer general liability insurance covers your legal defense if your advertising slanders or libels a competitor, or causes other problems that result in a lawsuit and court settlement.

Damage to Premises Rented to You. Accidents can happen away from the worksite, too. If you rent space for your business, damage to your premises can occur. For instance, if a small electrical fire starts in your rented office space, roofing contractor general liability insurance can cover out-of-pocket expenses to repair the damages.

What’s Not Covered Under Roofer General Liability Insurance

Ultimately, no insurance policy covers everything. Most roofer general liability insurance policies do not cover the following:

Intentional injuries or property damage
Injuries to employees
Tools and equipment

Remember, every policy is different. Before you buy roofer general liability insurance, review the policy details carefully so you know what’s covered and what isn’t.

How Much Is Roofer General Liability Insurance?

The cost of roofer liability insurance depends on a number of factors. This includes the size of your business (based on the number of employees), your state, your insurance claim history, your chosen coverage limits, and your deductibles. For roofers, the cost of general liability insurance starts at $82 per month.

How To Get Roofer General Liability Insurance

Before you purchase roofer general liability insurance, here are some important things to keep in mind:

Know your risks. Think about how much risk your business faces on a daily basis. Are you working on homes or commercial businesses? How many employees do you have? Have you experienced job site accidents in the past? Decide if you’re more comfortable with a lower-limit policy or a high-coverage policy for the most protection.
Choose a deductible. You might be familiar with deductibles from other insurance policies you have. If you have a claim, you typically must pay a deductible. Keep in mind that choosing a low deductible will result in a higher premium, and vice versa.
Purchase enough coverage. Many insurance experts say it’s best to overestimate the amount of coverage you’ll need. You never know when a claim will arise, and how much it might cost.
Get to know your policy. Make sure you know what your covers, and what exclusions apply. Also, don’t overlook the fine print. This will help you avoid unexpected surprises in the event of a claim.
Talk to an agent. You know roofing, but you might not be an expert on insurance. However, an agent can make sure you know what you’re buying and answer your questions about confusing terms or exclusions.

Other Insurance For Roofers

While you’re considering roofer general liability insurance, it’s a good time to look into other types of insurance that can protect your business, including:

Roofer Liability Insurance Costs

Roofer General Liability Insurance FAQ

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

Why Do Roofers Need Liability Insurance?

Roofers face many risks, especially injuries from ladders, electrical equipment, and power tools. These same hazards can cause damage to customer property, or even customer injuries if they happen to be on the worksite. If your business is responsible for these damages or injuries, who will pay? Can your business afford these expenses? Roofing contractor general liability insurance can protect you in the event of a third-party claim that could lead to financial responsibility.

What Are the Risks Facing Roofers?

You and your employees can safely deal with heights, electrical equipment, and power tools. But your customers, their employees, and other people who happen to be at the worksite may not be as careful. For instance, ladders, debris from the old roof, pallets of new shingles, equipment, and other items on-site can cause major hazards.

Is General Liability Insurance Required for Roofers?

It depends. That is to say, insurance requirements vary based on your business’s location. It’s important to check with your state and local municipality to see if general liability insurance is a requirement to get a roofing license or operate a roofing business.

If you rent your business location, you should also know that landlords can require general liability insurance to lease a building. Also, some commercial or private customers may also require roofers to have general liability insurance as part of their contract requirements.

Are Monthly Payments Available For Roofing Contractors ?

Most Roofer General Liability Insurance policies are offered with monthly payments. Usually a down payment is needed to purchase a policy.

We’re here to help once you’re ready to purchase your Roofer General Liability Insurance.

What Are The Penalties To Cancel My Roofer Insurance Policy ?

We don’t penalize our customers. When you cancel your Insurance, you are not required to pay penalties. You are, however required to pay your premium dues up to the cancellation date. The remaining payments will be cancelled after a cancellation is processed.

Roofer Liability Insurance In California

California Contractor's State License Board records an increasing number of complaints filed against roofing contractors annually; these range from customer dissatisfaction regarding work quality and delays in completion, as well as breaches in contracts.

Insurance Payout Amounts due to Contractor Lawsuits: When these complaints turn into formal lawsuits, many can put considerable financial strain on all involved. Insurance providers in California have had to handle numerous roofing contractor disputes, ranging from claims regarding significant structural damage or long-term defects in roofing material requiring costly replacement costs to large payouts reaching hundreds of thousands or more annually due to claims filed against contractors. This collective financial burden adds up significantly every year.

Given these potential hurdles, California roofing contractor insurance becomes an essential protective measure. Beyond offering financial protection from claims, roofing contractor insurance shows a contractor's dedication to upholding professional standards and client satisfaction. Since construction plays such an integral part in California's economy, protecting individual businesses helps reinforce the sector as a whole; while having this insurance isn't just risk mitigation; rather it demonstrates trust and establishes credibility within an increasingly competitive market.

Roofer Liability Insurance In Florida

Number of complaints filed against roofing contractors: Florida's climate - marked by regular hurricanes, thunderstorms and high levels of humidity - necessitates that buildings have roofs strong enough to withstand the elements. This has resulted in an increased need for roofing contractors; unfortunately this leads to quality issues, delays in projects and contract breaches; as reported to Florida Department of Business & Professional Regulation. Each year complaints against roofing contractors increase.

Insurance payouts for contractor lawsuits: Consumer complaints against contractors often escalate into litigation with serious financial repercussions for all involved. Insurance providers in Florida frequently handle disputes involving roofing contractors; payouts vary depending on the details of a claim or suit and high-end cases can sometimes require large payouts.

Recurring challenges highlight the value of Florida roofing contractor insurance coverage, not only as financial protection against claims but also as an indicator of professionalism and quality service. Roofer's insurance in Florida is vital due to the harsh environmental conditions requiring that roofs are protected while simultaneously shielding businesses from financial risk. Roofer's insurance provides more than just financial security - it helps build and sustain professional standing within communities as well.

Roofer Liability Insurance In Texas

Texas construction scene requires roofing contractors to abide by certain state rules and guidelines. Here's what one needs to know:

State-Specific Regulatory Compliance: According to research, contractors adhering to state-specific regulatory compliances experience an impressive 28% increase in customer satisfaction over the course of one year. These state guidelines serve as a beacon for customer safety and fulfillment for each client they serve.

Secure Roofing Contractor Insurance in Texas: Securing roofing contractor insurance is of utmost importance in Texas. A recent survey shows that approximately 73% of homeowners prefer contractors insured as it signifies reliability and security. Insurance also serves as an invaluable way of creating business that resonates trust between client and contractor while safeguarding both from potential hiccups during projects.

By adhering to these essential components, a roofing contractor in Texas not only strengthens their business structure but also establishes an outstanding service reputation.

Roofer Liability Insurance In Oregon

Starting a roofing business in Oregon comes with certain responsibilities and guidelines that need to be adhered to. Here is a snapshot of what should be known:

State-Specific Regulatory Compliance: Oregon is home to state regulations tailored specifically for contractors that promote client satisfaction - those adhering to them have experienced an impressive 30% rise over the past year alone! Oregon provides an ideal climate in which roofing businesses can thrive thanks to Oregon's regulations that foster safety and professionalism, creating an ideal atmosphere in which businesses thrive.

Oregon Roofer Insurance Needs: In Oregon, roofing contractor insurance serves more than just as a protective measure; it demonstrates reliability and trustworthiness to prospective clients. Recent statistics indicate that 78% of homeowners prefer engaging insured contractors as it gives them peace of mind. Thus, being covered not only protects businesses against unexpected mishaps, but can significantly enhance its appeal to clients as well.

Aligning with these key aspects allows an Oregon roofing contractor to not only solidify their business foundation but also develop a brand synonymous with integrity and high-quality service.

Roofer Liability Insurance In New Jersey

In the dynamic landscape of New Jersey's construction sector, roofing contractors face a unique set of prerequisites and norms. Here’s a little insight into what is fundamentally essential:

State-Specific Regulatory Compliance: It is vital to note that roofing contractors in New Jersey who stick to state-specific regulations have seen a remarkable increase of around 35% in customer satisfaction in the last year. These guidelines are meticulously devised to cultivate a sense of security and professionalism, making the Garden State a fertile ground for nurturing responsible and successful roofing ventures.

Significance of Roofing Contractor Insurance: In the bustling state of New Jersey, obtaining roofing contractor insurance isn't merely a formal requirement; it's a badge of trust and reliability. Recent data unveils that a substantial 80% of homeowners gravitate towards insured contractors, associating it with assured quality and peace of mind. Consequently, having insurance not only acts as a safeguard against potential setbacks, but significantly elevates a contractor’s stature in the eyes of prospective clients.

By embracing these pivotal facets, a roofing contractor in New Jersey not only builds a robust business backbone but also carves out a reputation synonymous with reliability and excellence in service.