Danger Is Reduced With Roofing Contractor Insurance

The dangers of roofing jobs should never be underestimated. Roofing ranks in the top ten most dangerous jobs in the US. Everyone who works on a roof faces the same dangers, whether they are self employed or work for a roofing company. A roofing contractor who is registered with their state works in the same dangerous conditions as an unlicensed roofer, as does the crew employed by a roofing company.

A roofing contractor is exposed to multiple risks when installing or repairing a roof. Contrary to popular opinion, the size of the roofing job is irrelevant because the dangers don’t lessen whether you’re working on a business building or a residence. Collapsing roofs,  a fall from a ladder, scaffolding or a collapsing roof, will still result in bodily injury or fatality.

Every Roofing Job Is Dangerous

Falls account for 35% of significant injuries in the construction industry and, sadly, roofers account for 25% of employees killed by falls. Roofing accidents can happen on any roof, to any tradesman, on any job site. Even fully trained roofers wearing all the appropriate protective work wear can slip and fall. Accidents happen. People get hurt. Things get broken.

For instance, tools or materials accidentally dropped from roof height can cause property damage to parked cars, garden pathways and ornaments, outdoor furniture or a window.

How Prepared Is Your Roofing Company?

In order to be competitive in the construction industry, a roofing company’s  crew must be multi-skilled, with the know-how to fix, replace, or install roofs of various materials such as shingles, metal, bitumen and even terracotta. The cost of installing a new roof ranges from $5,000 to $25,000 for the commonly used asphalt shingles, or even higher for the high-end roof types. This is a costly investment, albeit necessary. Homeowners are very conscious about the quality of roofing service they get from your roofing company. It doesn’t matter how skilled your crew, if the job isn’t done to specifications and standards, you could face liability claims. Will your roofing contractor company survive?

Risk Management For Roofing Contractors

The dangers of the job can be reduced with safety measures and protocols, training and experience, and  comprehensive roofing contractor small business insurance. The nature of your industry makes certain insurance coverage more important than other policies. We can assist with advice on the best roofing contractor insurance at the best rates. Contact one of our Small Business Liability consultants for a free quote.

Are you protected from these common claims?

The following are examples of common types of property damage claims that good roofing contractor small business insurance will cover:

• • Your blow torch accidentally causes fire damage to the house
  • A tile falls off the roof and lands on a parked car below
  • Your ladder falls over and goes through a window
  • Water damage caused by a leak after a storm hits

Keep in mind that some roofing insurance carriers may exclude water damage coverage in the event of a claim. Always look over your list of exclusions before signing your general liability insurance proposal.

What if …

You assign one of your roofers to repair the roof at a residential property. Just after the repair, the homeowner reports that her fridge has vanished.   The homeowner sues your roofing company for the loss of the asset. Since you’re the business owner, you are liable.

What do you do?”

5 Things That Roofing Contractor Small Business Insurance Covers

1. 1. Bodily Injury
   2. Property Damage
   3. Personal Injury
   4. Errors and Omissions
   5. Medical Payments

Ask About Roofing Contractor Small Business Insurance

At Small Business Liability, first up we will assess your roofing company’s insurance coverage needs. We will provide a roofing contractor insurance package that suits you best.

Contact one of our representatives today for the best small business insurance coverage for your particular needs.