INSURANCE FOR

Roofing Specialists

Provides financial protection and coverage against potential liabilities, damages, and losses associated with roofing projects, workers' compensation, and unforeseen incidents.

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INSURANCE FOR

Roofing Specialists

Provides financial protection and coverage against potential liabilities, damages, and losses associated with roofing projects, workers' compensation, and unforeseen incidents.

GET QUOTE

WHY DO

Roofing Specialists Need Insurance?

Roofing specialists require insurance due to the high-risk nature of their industry, covering costs for worker injuries, property damage, and legal liabilities. Insurance not only fulfils contractual requirements and boosts client confidence but also acts as a vital safety measure, safeguarding the business’s longevity and reputation in an unpredictable field.

COVER TYPES

For Roofing Specialists

In the unpredictable world of roofing, having comprehensive insurance is not just a wise business decision but also a crucial safety net that helps ensure the long-term viability and reputation of the company.

The specific insurance needs of a roofing specialist business can vary based on factors like the size of the company, the scope of work, location, and state regulations.

Roofing specialist businesses typically require a combination of insurance coverages to adequately protect themselves and their operations. Recommended insurance cover types for roofing specialist businesses include:

Professional Indemnity Insurance

Also known as Errors & Omissions insurance, this coverage is crucial for protection against claims of professional negligence or mistakes in roofing work that lead to financial losses for clients.

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Business Interruption Insurance

This helps cover lost income and operating expenses if a covered event, like a fire or natural disaster, forces the business to temporarily close or relocate.

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Business Vehicle Insurance

If the business owns vehicles used for roofing work, this insurance covers accidents and damage to those vehicles, as well as liability for accidents involving company vehicles.

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Employment Practices Liability Insurance (EPLI)

This coverage helps protect against employment-related claims, such as wrongful termination, discrimination, or harassment suits brought by employees or former employees.

Public Liability Insurance

This provides coverage for third-party bodily injury, property damage, and personal injury claims, such as slip and fall accidents at a job site or damage to a client’s property during a roofing project.

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Business Property Insurance

This protects a roofing company’s physical assets, such as equipment, tools, and office space, from perils like fire, theft, or vandalism.

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Umbrella Liability Insurance

This provides additional liability coverage beyond the limits of the general liability and auto liability policies, which can be particularly important in cases of large claims or lawsuits.

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Tools and Equipment Insurance

This can be a separate policy or part of a commercial property policy, ensuring your roofing tools and equipment are protected against theft or damage.

Cyber Liability Insurance

In the digital age, protection against data breaches or cyberattacks is essential for safeguarding sensitive client information and maintaining the business’s reputation.

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Workers' Compensation Insurance

This is essential for covering medical expenses and lost wages for employees who are injured or become ill on the job. It’s often required by law.

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Bond Insurance

Roofing specialists may need surety bonds to bid on certain construction projects or to ensure they fulfill their contractual obligations.

Inland Marine Insurance

This covers specialised equipment and tools that may be transported to job sites, protecting them from damage or theft during transit.

Professional Indemnity Insurance

Also known as Errors & Omissions insurance, this coverage is crucial for protection against claims of professional negligence or mistakes in roofing work that lead to financial losses for clients.

Learn More

Cyber Liability Insurance

In the digital age, protection against data breaches or cyberattacks is essential for safeguarding sensitive client information and maintaining the business’s reputation.

Learn More

Business Property Insurance

This protects a roofing company’s physical assets, such as equipment, tools, and office space, from perils like fire, theft, or vandalism.

Learn More

Business Vehicle Insurance

If the business owns vehicles used for roofing work, this insurance covers accidents and damage to those vehicles, as well as liability for accidents involving company vehicles.

Learn More

Bond Insurance

Roofing specialists may need surety bonds to bid on certain construction projects or to ensure they fulfill their contractual obligations.

Tools and Equipment Insurance

This can be a separate policy or part of a commercial property policy, ensuring your roofing tools and equipment are protected against theft or damage.

Public Liability Insurance

Learn More

Business Interruption Insurance

This helps cover lost income and operating expenses if a covered event, like a fire or natural disaster, forces the business to temporarily close or relocate.

Learn More

Workers' Compensation Insurance

This is essential for covering medical expenses and lost wages for employees who are injured or become ill on the job. It’s often required by law.

Learn More

Umbrella Liability Insurance

This provides additional liability coverage beyond the limits of the general liability and auto liability policies, which can be particularly important in cases of large claims or lawsuits.

Learn More

Employee Practices Liability Insurance (EPLI)

This coverage helps protect against employment-related claims, such as wrongful termination, discrimination, or harassment suits brought by employees or former employees.

Inland Marine Insurance

This covers specialised equipment and tools that may be transported to job sites, protecting them from damage or theft during transit.

SCENARIOS WHERE

Roofing Specialists Need Insurance

Imagine a roofing specialist business is working on a residential roofing project. During the installation process, a worker accidentally drops a heavy tool, which damages the homeowner’s expensive outdoor furniture and a portion of their roof. In this scenario, the business would require insurance, specifically public liability insurance, to cover the costs of repairing the property damage and any potential legal expenses if the homeowner decides to file a lawsuit.

A roofing specialist business is working on a commercial building roof repair. While on the job, one of the employees slips and falls, sustaining a serious injury. Workers’ compensation insurance would be essential in this situation to cover the injured worker’s medical bills, rehabilitation, and lost wages, while also protecting the business from potential legal action by the employee.

A roofing company completes a roof replacement for a client, but shortly after the work is finished, a leak is discovered during heavy rain. The client insists that the roofing company made a mistake in the installation, causing the leak. In this case, professional indemnity insurance (errors and omissions insurance) would be crucial to cover the cost of repairing or replacing the roof and any legal expenses associated with defending against the client’s claim of faulty workmanship.

Start Your Quote For Roofing Specialist Business Insurance

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Start Your Quote For Roofing Specialist Business Insurance

We will match the ideal insurance partner to you.

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