It’s High Time You Did Something About Insurance

Become a roofing contractor. What could go wrong? That’s what they say. But they don’t know anything. On any given day, you’re on a roof walking, bending, moving supplies, and operating power tools. Can you handle the long list of things that could – and do – go wrong?

Young guns working for a roofing contractor complain about the way the boss coordinates jobs. He promises customers they’ll be finished in an almost impossible timeframe. Nobody ever gets a raise, but the boss just bought a new truck.

The sympathetic audience for the young roofer responds with the advice to Start Your Own Business. You’ve been working for this boss for five years; what else do you need to know? You know how to estimate jobs and, heck, you’ve been doing most of the work anyway. How hard can it be?

A Roofing Contractor’s View

Thing is, many young guys only see the business from an employee’s perspective. In fact, roofing contractors are small business owners. And with a small business comes a whole lot of responsibility and risk.

Not only are roofing contractors are at the top rung on the ladder of the most dangerous professions in the country, there is also the risk of litigation.  Imagine the poor roofing contractor who gets a call from a past customer. He replaced the customers’ roof five years ago.  He guaranteed the roof for 15 years. The homeowner says the shingles are flying off in bunches and he’s going to sue for breach of contract and property damage.

What Kinds Of Things Could Go Wrong?

Not only could one lawsuit put a roofing contractor out of business, you could lose your personal assets as well. Roofing contractors are at high risk for personal injury, property damage and employee liability. Without a minimum of small business liability insurance cover, you could lose your business. Yes, even over just one incident. Here’s a list of some of the things that could go wrong from the first day:

• Safety equipment failure
• Roof collapse
• Ladder falls
• Falling debris
• Electrocution
• Damage to job site
• Injury to homeowner
• Employee injury
• Damage to neighbors’ property

Get Covered

Contact a reputable agency for small business liability insurance. Make sure the liability insurance cover is in place before you set foot or ladder on customer property. Along with general liability insurance, an insurance agent might note the requirement of workers compensation for your employees and commercial vehicle insurance on all work trucks.

Contact Small Business Liability to get the best insurance policy for your new roofing business. What could go wrong? Nothing you can’t handle.

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