Insurance for

Roofing Specialists

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

Business Insurance for Roofing Specialists

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

These insurance types help roofing businesses manage operational risks, protect assets, and ensure financial stability in case of unexpected events or liabilities.

Professional Liability Insurance

Professional Indemnity Insurance

Provides coverage for claims arising from errors or negligence in roofing design or installation, such as a roof failure leading to property damage or financial losses.

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Business Vehicle Insurance

Covers vehicles used to transport tools, materials, and employees, protecting against accidents, theft, or damage.

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Business Property Insurance

Covers damage or loss of physical assets. Protects office spaces, storage facilities, or workshops from risks like fire, theft, or natural disasters.

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Contract Works Insurance

Covers unfinished roofing projects and materials on-site against risks like fire, theft, or weather damage until the work is completed.

Workers' Compensation Insurance

Workers' Compensation Insurance

Required for businesses with employees, covering medical expenses, lost wages, and rehabilitation costs for workers injured on the job.

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Income Protection Insurance

Provides financial support if the business owner is unable to work due to injury or illness.

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 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.

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.

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Roofing Specialist Business Insurance

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